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Insurance necessary for peace of mind security for you, your family and your business

  

We are able to offer a complete range of personal and business insurance products to adapt to your circumstances. Some can be tax effectively structured to make premiums cost effective hence reduce the cost of providing peace of mind security to you, your family and your business.

  

Income Protection

 Its all fun and games until someone gets hurt - Who will look after your finances if you cant work due to sickness or injury?

  

Life insurance

When it comes to assets there is none bigger than your life and if you have debts , a family or both, you owe it to those you will be leaving behind to be well covered if something happens to you.

  

Total and Permanent Disability (TPD)

This provides financial security for the unexpected by providing you a lump sum benefit if you suffer a TPD event and are unable to earn an income again.

  

Trauma

What if you were the one who needed looking after?

Most people try to stay healthy, but sometimes even the healthy people suffer accidents or get diagnosed with disease they had no chance of preventing. Trauma cover gives you the security of knowing your family will receive a lump sum if you die or diagnosed with a terminal illness, experience a serious medical condition or become TPD

  

Cash flow and tax effective insurances through Superannuation

  • Life insurance
  • TPD
  • Income protection

  

These insurances, in most instances, can be taken out via your superannuation contributions hence improve after tax cash flow and in some cases be tax effective.

  

Level versus stepped premiums

Choosing which option will ensure you make insurance more affordable for the long term and for you to have cover when you need it most

  

Business

  

Buy Sell (ownership or protection)

What happens if an owner of a business dies or becomes disabled? How do the remaining business owners payout the existing owners estate? The life partners of the deceased will want to be paid for his/her partners share of the business. So where does the money come from?

Buy sell insurance arrangement can provide the money for this. It allows surviving business owners to buy out the interest of the exiting partners equity.

  

Key man (Asset and revenue protection)

What happens when the key person of the business is disabled or dies? The business may not be able to continue without them as they were a focal resource to the operation of the business.

  

Business protection insurance can provide the required cash should such a situation arise rather than selling business assets or the business having to borrow cash to continue.

  

Tax audit insurance

[Refer to our tax directory]

  

Business risk insurance

We can organise and assist you with trading risk insurance such as business overhead, equipment insurance, fire etc

  

Expect  more value from your accounting & tax service.

 

This site provides no advice - the comments are general in nature hence cannot be relied on as the circumstances of your situation varies case by case. You must seek individualised advice specific to you and or your business circumstances

  

  

© 2008 DAB Financial Solutions a division of Developing Australian Business Pty Ltd
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