No-one knows what life has in store for you. Do you have an adequate safety net should an unwelcome event like an accident or illness strike? Consider below some of the small decisions you can make today to ensure peace of mind.

This might sound like chest-beating but the biggest asset you have is yourself.

Your ability to earn an income is your greatest asset over the term of your working life. If you don’t believe this, just look at what happens to people who are forced to stop working – through illness or injury – and who have no other way to continue their lifestyle.

To protect your biggest asset – you - it’s really important to have income protection or ‘salary continuance insurance’ (SCI).

SCI pays you up to 75% of your current gross income. More importantly, it allows you to maintain your current lifestyle and pay your usual debts so you don’t have to dip into savings or compromise your investment plans.

Your small decision

SCI premiums are generally tax-deductible or they can be paid for out of your super. It’s a small decision that could save you big time. If this sounds like something that might suit you or you’d like more information, please complete our online enquiry form or call our Direct Solutions Team for assistance on 1300 669 445.

...there’s a way to make sure things are sorted when you’re gone.

OK, so it’s not our favourite topic, dying. It’s probably why so many people haven’t got themselves a will – or updated the current version for years – we just don’t want to think about not being here and enjoying the lifestyle we’ve worked hard for.

But if the unthinkable did happen and you made an early exit from this life, would everything happen as you’d like? Would your family survive financially?  Who would bring up your children if both parents died? When would they be eligible to receive your assets?

Having a comprehensive will allows you more control, greater flexibility and a better chance to reduce the tax payable by your beneficiaries on what you want them to have.

It’s very important to make a Will – more important than most people realise.

Your small decision

If this sounds like something that might suit you or you’d like more information about it,
please complete our online enquiry form or call our Direct Solutions Team for assistance on 1300 669 445.

Note: Before your decision is made, you’ll receive documented advice from us, outlining our recommendations and reasons for your small – but wise - decision.