Life and Total Permanent Disablement Insurance

Life – Enjoy it, value it and insure it..

Your family and finances could be under a major strain as a result of your death or disability.

While you're alive, you work to provide for your family, build a home, grow your wealth for your and their future needs. When you are totally disabled, or die, that dream doesn't have to fade to nothing.

This insurance covers your life and offers protection to your dependants by providing them with a lump sum payment upon your death or if you are totally disabled and unable to work indefinitely.

WHY HAVE LIFE & TOTAL & PERMANENT DISABILITY INSURANCE?

It is a cost-effective way of protecting and creating assets. You can ensure your family will be able to pay for ongoing living expenses, keep the house and not struggle financially.

WHAT IF I ALREADY HAVE LIFE INSURANCE?

Individuals can hold numerous life and disablement policies. You should periodically review your cover to check the policy working, and to ensure the amounts are sufficient for your requirements.

HOW MUCH COVER IS ENOUGH?

Everyone’s needs are different, depending on your family circumstance, level of debt and your age. Your adviser can assist you in determining the amount of cover you need.

It's worthwhile talking with an adviser to work out how much insurance you need to repay all of your family's debts, and leave enough for your family to live on. It's more than you think.

WHO WILL RECEIVE THE PAYMENT IF I DIE?

The insurance proceeds, in most cases, may be paid to a nominated person or your estate. In the event of disablement, you will receive the benefit directly.

If you'd like an obligation free discussion about our process, to work out how much cover your family needs, or to request more information about our comprehensive advice package, please contact us.

General Advice Warning

QA Insurance Pty Ltd as trustee for the QA Insurance Trust (ABN: 59 644 299 394; Corporate Authorised Representative Number:1293763) is an Authorised Representative of QA Insurance Pty Ltd (AFSL 542245). This document has been prepared by QA Insurance Pty Ltd.

General Advice Warning

QA Insurance Pty Ltd as trustee for the QA Insurance Trust (ABN: 59 644 299 394; Corporate Authorised Representative Number:1293763) is an Authorised Representative of QA Insurance Pty Ltd (AFSL 542245). This document has been prepared by QA Insurance Pty Ltd.

QA Insurance advisers are Authorised Representatives of QA Insurance Pty Ltd, AFSL #542245. Information in this document is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by QA Insurance, its related entities, agents and employees for any loss arising from reliance on this document. This document contains general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision. Taxation considerations are general and based on present taxation laws, rulings and their interpretation and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information. Should you wish to ‘opt out’ of receiving direct marketing material from your adviser, please notify your adviser by email, phone or by writing to us.

Information in this document is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Core Financial Services, its related entities, agents and employees for any loss arising from reliance on this document. This document contains general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision. Taxation considerations are general and based on present taxation laws, rulings and their interpretation and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information. Should you wish to ‘opt out’ of receiving direct marketing material from your adviser, please notify your adviser by email, phone or by writing to us.

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