Freedom Finance Australia

1800 662 891

info@ffau.com.au

Life Insurance Advice

Why do I need life insurance advice?

Change can happen in an instance.

People’s lives and personal circumstances can change in an instance. And if the unexpected were to happen, would those who are left behind be protected financially? If you suffer a serious illness or injury, the cost of recovery can have a huge impact both emotionally and financially.

Your ability to earn an income is your most important asset because your lifestyle depends on it. However, if you had to stop work tomorrow because of an accident or illness, would you be able to continue to pay your bills and afford the lifestyle you currently enjoy?

What can we help you with? Advice on what insurance you need, how much you need and how it should be structured.

  • Life insurance
  • Total and Permanent Disability Insurance
  • Income Protection Insurance
  • Trauma Insurance
  • Business Insurance (key person cover)
  • Business Expense Insurance

 

What are the chances?

Australian research indicates 60% of families with dependents will run out of money within a year if the breadwinner dies*.

Research indicates that one in five men and one in seven women between the ages of 30 and 64 will suffer a critical illness**. The good news is, medical advances mean we have a greater chance of surviving.

More than 60% of Australians will be disabled for more than one month during their working life and more than 25% will be disabled for more than 3 months***.

 

*IFSA Research – A Nation Exposed.  Conducted for IFSA by Rice Walker Actuaries and TNS Australia, 2005.
**GenRe LifeHealth Australian Critical Illness Survey 2008
***Australian Disability Table IAD89-93 Class
*IFSA Research – A Nation Exposed.  Conducted for IFSA by Rice Walker Actuaries and TNS Australia, 2005.
**GenRe LifeHealth Australian Critical Illness Survey 2008
***Australian Disability Table IAD89-93 Class

For general advice disclaimer click here.