Financial Planning Sydney – Insurance

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Your Step By Step Risk Insurance Plan

At Financial Sevices Sydney we employ our disciplined step-by-step risk protection process. Your risk insurance plan is not be a pre-packaged solution. It will be as individual as you and/or your business are – and will be tailored to your requirements for the best use of your financial resources now, and in the future.

We start by assessing your current situation. If the unexpected happened today, what would be your financial shortfall?

How much money would be required for you and/or your family to replace your income and pay for expenses?

If you own a business and you can no longer work or your business loses a key person can the business keep afloat?

We develop a strategies to help you transfer that risk and identify which types of insurances you require.

We research the major, reputable insurance companies to find the insurances which provide you with the right level of protection, including the definitions and exclusions which best suit you, your family and/or your business.

Of those insurances which meet your needs, Financial Sevices Sydney obtain quotes to ensure we recommend the most cost effective products for you.

Once you have made that decision, we finalise your risk transference plan, and arrange the purchase of the recommended insurances on your behalf.

Once your insurance portfolio is in place, Financial Sevices Sydney will regularly review it – and your situation – to ensure your portfolio continues to be relevant and cost effective.

Should your situation change along the way, or if the legislative framework in which we work changes, Financial Sevices Sydney will work with you to modify your risk insurance plan accordingly.

Types of Personal insurances:

Term life insurance – On the death of the insured, Term Life Insurance pays a lump sum.

Income protection insurance – If you are unable to work due to sickness or injury, Income Protection Insurance replaces your income.
 
Trauma insurance – If you are diagnosised of a specified non-pre-existing illness or injury, generally including heart attack, stroke, cancer, and paraplegia, then Trauma insurance pays you a lump sum.

Total & permanent disablement insurance – If you are totally incapacitated because of sickness or injury and unable to work then Total & permanent disablement insurance pays you a lump sum.

Types of Business Insurance:

Insurance can help your business maintain its financial equilibrium should it lose you or other key people

Buy/Sell insurance – If you or one of your partners dies or suffers a serious illness or injury then Buy/Sell insurance pays your business a lump sum.

Key person insurance – Pays your business a sum of money to offset the estimated financial loss to the business should an owner or other key person die or suffer a serious illness or injury.