Personal Insurance
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Personal Insurance
Personal insurance provides financial security to you and your family in the event you’re diagnosed with a serious illness, permanent disability, loss of the ability to work and even death. When should you consider life insurance? The best time to start thinking or talking about life insurance is in the event of a major milestone such as marriage, divorce, the birth of a child, buying a home with your family, and even when your salary increased, or you get a new job.
If you’re interested in consulting with a personal insurance broker, take a look at our insurance cover options below. Here is where you’ll be able to find something that is best suited for you, your family, and your life or current situation.
If you’re looking for insurance cover to protect you and your family’s financial future, contact us today on 1300 351 716 and speak with one of our Brisbane insurance brokers to get started.
Insurance Covers
Life Insurance Brisbane
Life insurance offers financial protection to your spouse and/or family after you pass, and will generally be paid out as a lump sum. It is important to ensure the level of cover is tailored for your specific circumstances, and the amount you pay for this cover can vary given your occupation, age, and lifestyle.
If you’re looking to speak with a life insurance Brisbane broker, book an appointment online today!
Our financial advisors will ask the right questions to understand your circumstances and offer some guidance on the best personal insurance options available.
Income protection Cover
Income protection cover is designed to provide regular payments that cover up to 75% of your income in the event you’re unable to work due to an injury or illness. This can include prolonged illness, partial disablement, or full disablement. Income protection insurance cover will help reduce financial pressure and cover ongoing living expenses while you are unable to work.
Income protection cover can be important if:
- You are self-employed or a small business owner who does not have annual or sick leave
- You have family member/s or dependant/s who rely on the income that you earn
- You have debt e.g., a mortgage, that you need to make payments towards even if you are unable to work.
If you believe you need income protection insurance cover, book an appointment with one of our Brisbane insurance brokers for assistance.
Trauma insurance
Trauma insurance is a lump sum paid if you suffer certain serious illnesses or injuries. Trauma insurance is designed to help you cover medical and rehabilitation expenses and remove financial strain so you can focus on your recovery.
If you would like a trauma insurance quote, book an appointment with one of our Brisbane insurance brokers today.
Critical Injury Cover
This insurance will pay for treatment and other necessary medical expenses if you suffer from a serious injury from anything such as: An accident causing injury like severe burns, lost limbs, or loss of hearing.
Critical Illness Cover
This insurance assists if you suffer a serious illness such as a heart attack, stroke or cancer and will pay for things such as: Out-of-pocket medical costs, living expenses for you and your family, therapy, nursing and special transport, changes to housing and paying back debt.
TPD Insurance
TPD insurance is a lump sum paid if you become totally and permanently disabled and are unable to return to work. There are various ways you can structure this cover and also different definitions available, so it is important to ensure it is the right cover tailored for your situation.
Choosing the right kind of insurance can be tricky, as there are quite a few options available. At Horizon Wealth Advisory, we can help you work out what sort of insurance covers are better suited to your lifestyle and financial needs. Get in contact for a discussion about personal insurance today.
Considering Life Insurance?
If you’re considering a life insurance cover but need some more information or want to speak to a reliable personal insurance broker, you can trust the team at Horizon Wealth Advisory. With our range of life insurance cover options, we have cover that can benefit all of life’s unexpected situations while protecting you and your family.
To speak with one of our Brisbane insurance brokers, contact us today on 1300 351 716 or email us directly at info@horizonwa.com.au for more.