Risk Insurance is an integral component of a wealth creation strategy to protect you and your family’s future.
It’s not something we like to think about, but how would your family cope financially if you were unable to work through injury or illness, or death. Would your family still be able to live comfortably? How would your partner pay the mortgage? Could your business continue to operate? Our risk insurance specialists can help you plan for the future, providing you with peace of mind that your family and/or business’s future is safe and secure.
PPT Financial will:
- Assess your current financial situation and needs.
- Identify suitable insurance products that meet your needs.
- Implement an insurance plan to provide you with the best protection.
Life Insurance
Would your family cope if you were no longer able to provide for them financially, either through death or a terminal illness?
Trauma Insurance
Trauma Insurance provides a lump sum payment should you suffer a medical-related trauma that significantly affects your life. For example heart attack or stroke.
Total and Permanent Disability (TPD) Insurance
Total and permanent disability (TPD) insurance provide a lump sum payment if you are totally and permanently disabled, which means that you’re unable to continue your ‘own’ or ‘any’ occupation.
Income Protection Insurance
Income Protection covers you if you’re temporarily unable to work due to injury or illness, allowing you to maintain your day-to-day living expenses during your recovery period.
Group Income Protection Plans
As the name suggests, Group Income Protection Plans offer the same cover of individual Income Protection Plans, but are taken out by the company on behalf of your employees. The policy protects employees in the event of total or partial disability caused by accidental injury or illness.
Key Person Protection
If a key person dies or is diagnosed with a terminal or critical illness, it can have a significant impact on your business, potentially resulting in business failure. So it’s important to safeguard your business against potential lost of revenue or profits.
Business Expense Protection
Business Expenses insurance pays a monthly benefit to cover fixed business costs if you suffer an illness or injury and are unable to work.
Succession Planning Funding
The main objective of a Business Succession Plan is to deliver a smooth continuation of a business, in the event of death, total and permanent disablement (TPD) or trauma to a key person.
Talk to Brent, our insurance specialist ...
To discuss your risk insurance requirements contact Brent Olszewski (03) 5331 3711 or complete the enquiry form on this page.
PPT Financial Pty Ltd ABN 64 050 243 073 Australian Financial Services Licence No 252992
Director Representatives: Tim R Hovey, Peter J O’Connell, Cameron R Moore Representatives: Kevin J Perrin, Brent P Olszewski
