Personal Insurance

Personal Insurance

Looking for a Gold Coast Insurance Adviser or a Gold Coast Insurance Broker then look no further than Integral Financial Planning.We can help you determine appropriate insurance policies for your personal situation. Insurance is generally the easiest solution for the protection of your most important assets – you and your income. Throughout the insurance world there is an overwhelming amount of policies and as a result, families tend to overlook personal insurance despite protecting their car and homes. However Integral Financial Planning is committed to obtaining the most appropriate insurance policy to suit you and your family’s financial needs. So whether you’re looking for Life insurance, TPD Insurance, Income Protection, Critical Illness Insurance, Trauma Insurance and Living Expense Insurance  Integral Financial Planning will evaluate, compare and select tailored insurance options to help protect you and your family’s future.

Integral Financial Planning is located on the Gold Coast at Varsity Lakes near Robina and Mudgeeraba. We will help you prepare and manage your insurance portfolio to protect you and your family for the longer term giving you peace of mind knowing your insurance policies are appropriate for your personal circumstances.

 

Life Insurance

Protecting your family’s financial future is generally the primary objective in the event of death! A solution for this is a lump sum life Insurance payment which will provide for your family in the event you not around too. In some cases the premiums for this type of policy may be funded from your superannuation account which can free up your personal cash flow for other purposes. We at Integral Financial Planning will review the varying policies and determine a policy that is appropriate to you and your family’s needs.

 

Total & Permanent Disablement Insurance (TPD)

Have you considered your financial situation in the event you became unable to perform general tasks?

Total and Permanent Disablement (TPD) insurance is a policy that will ensure you are protected in the event of you being totally and permanently disabled. TDP is paid out via a lump sum payment and is based on your inability never to work again. In some cases the premiums for this type of policy may be funded from your superannuation account which can free up your personal cash flow for other purposes. We at Integral Financial Planning will review the varying policies and determine a policy that is appropriate to you and your family’s needs.

 

Trauma or Critical Illness Insurance (+Child)

We all know of someone who has suffered the effects of cancer, heart disease or stroke. In fact, one in four women and one in three men will suffer some form of cancer in the first 75 years of life. Today, there is a 50% chance of a 40 year old man and a 33% chance of a 40 year old woman developing coronary heart disease. The chances of major illness striking you down are very real no matter how young or healthy you are.

Trauma and Critical Illness covers you in the event you have been diagnosed, suffered or are suffering a condition listed as being a critical Illness by the relevant insurer. Trauma and Critical Illness Insurance is paid via a lump sum payment and allows you to resume working whenever you feel ready. The payment is made on diagnosis of the condition regardless of whether you are fit for work or not. Trauma and Critical Illness Insurance will take the financial worry out of the troubling time and the proceeds may be used to pay down debt, continue the lifestyle you are accustomed to or do whatever you wish. Trauma and Critical Illness Insurance can also cover young children, this can provide some funding for medical expenses or alternatively allow you to take time off work without effecting you financially. Why wouldn’t you insure the wellbeing of your young children?

Just a few main conditions Trauma and Critical Illness Insurance covers:

– Cancer, Heart Attack, Stroke, Diabetes, Liver or Kidney Failure, Coma, Major Burn Injury

 

Income Protection

Workers compensation only covers you for accidents of injuries that occur during working hours or illness that’s a direct result of your employment, 30% of claims from a leading insurer are as a result of an accident and of those, 70% occur outside the workplace?

Income Protection essentially helps replace your income and earnings if you can’t work due to an injury or illness so you can concentrate on recovering. Income Protection guarantees up to 75% of your gross annual income generated from your ability to work. This helps with meeting those mortgage repayments or just living costs. In some cases the premiums for this type of policy may be funded from your superannuation account which can free up your personal cash flow for other purposes. In addition if funded personally your premiums may be tax deductable, depending on your personal circumstance. We at Integral Financial Planning will review the varying policies and determine a policy that is appropriate to you and your family’s needs.

 

Business Expense Insurance

How would you pay for your lease expenses and other fixed costs associated with the operation of your business in the event you can’t work and generate an income for a period of time?

Running a successful business takes time, money and a lot of dedication. Therefore, insuring your business should remain a fundamental notion in order to shield your business from illness or total disability. Business Expenses Insurance ensures the stability of your business, providing you with a business return to follow a period of illness, or a business to sell as a going concern. Business Expense insurance is a key component in your business risk strategy. The coverage helps keep your business going by reimbursing your fixed expenses if you’re unable to work due to sickness or injury. Whether your business is a company, partnership or you’re a sole trader it is imperative to keep the business running even when you’re not. This payment is made monthly for and generally for maximum period of 12 months.

Contact Integral Financial Planning today for a complimentary appointment contact us here!

You should seek personal advice prior to implementing any strategies as there are many rules and limitations that need to be considered, please refer to our general advice warning, terms and conditions.


 

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