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Life Insurance

It's easy to think "it will never happen to me", but in the event of an unexpected tragedy, it's important to make sure your family will be looked after, and their futures protected.

 

We often think that we have enough life insurance, perhaps through our employer or superannuation fund. But is this really the case?


And what about our savings and investments - what was their original purpose and will it be enough?

 

Life insurance is a valuable wealth protection tool that can help you clear any debts including a mortgage, provide funds for your children’s education and provide a replacement income for your family.

 

Premature death is not the only factor you need to consider when looking at protecting your wealth. These days, serious illness or injury may render you unable to work for a period of time, or perhaps never able to work again.

 

You may incur unexpected costs as a result of an accident or diagnosis of a life threatening condition. So it is just as important to make sure you and your family have access to additional funds when you need them most.

 

Think about the following:


If I can’t work again in the future what will happen to

  • my mortgage?
  • credit card expenses?
  • other debts?
  • the children’s education?
  • the income I earn?

 

How will I fund the cost of:

  • medical expenses not covered by Medicare or health insurance?
  • home modifications?

 

Did you know?

  • The average yearly ordinary time earnings for an adult working full-time in Australia is $56,6801.
  • The average cost of child care in Australia is $12,116 per year2.
  • The average home loan is $246,6473.

1Based on weekly earnings of $1090.00 per week for 52 weeks a year. Australian Bureau of Statistics - 1301.0, 2008, February.

2Based on $233 per 50-hour week for 52 weeks a year. Report on Sydney childcare costs, as reported in the Sydney Morning Herald 5/04/08.

3Real Estate Institute of Australia, www.reiaustralia.com.au

 

For more information on how insurance can be tailored for you, please call us on 1300 133 738 or contact us.

Let Us Help Find The Right Insurance For You

According to the Institute of Actuaries, every working Australian has a one in three chance of being seriously ill or injured for more than three months, before they hit 65.

There's a good chance that for that three months there'll be no ability to work and, importantly, no ability to earn an income.

 

What would happen to you and your family if you were in that situation? Could you still meet your mortgage repayments, handle day to day bills and put food on the table?

 

Members First Wealth’s Financial Advisers can assist you in making sure you have the best cover for your circumstances.

 

Call us to arrange a no cost, no obligation appointment.