If you were to ask most people what their biggest asset is, chances are they’d say their house or car. Yes, they’re important assets, but the fact is that our biggest asset is our own life.
Yet while very few people would be foolish enough not to insure their homes and cars, it’s surprising how many Australians don’t have life insurance. It would be easy to retort that you can’t take it with you. But what about the loved ones who would be left behind with mortgages and other debts – not to mention a funeral to pay for. Then there are partners or dependent children who could be left in dire financial straits without your income.
Thinking about, and planning for, our demise isn’t pleasant. But it nowhere near as bad as considering the additional trauma for our loved ones if they were left in financial difficulty while also facing the grief of loss.
Mintwell Capital has life insurance experts who can advise you on the best policy for your needs and find a premium that won’t break the bank but will give you peace of mind that your loved ones won’t suffer more than necessary if something should happen to you.
Life is unpredictable. We can be fit and healthy one moment and sick or injured the next. That’s why TPD Insurance is so important.
Choosing the right TPD Insurance cover can be tricky, and you certainly don’t want to find yourself in a position where you need to claim, only to find that you aren’t covered or that the payout amount isn’t adequate for your needs.
This is where Mintwell Capital’s insurance experts can provide peace of mind. They can guide you when it comes to finding the right cover for your needs, at a premium that suits your budget, so that if a serious injury or illness leaves you unable to work, you will still be able to support yourself and your loved ones.
TPD Insurance is designed to provide for your financial needs throughout the rest of your life should you be unable to work again
But it does not cover you if an injury or illness renders you unable to work temporarily.
The answer to ensuring you’re able to cover the cost of your everyday living expenses while you recover is Income Protection Insurance.
This insurance provides security for you and your dependents by paying up to 75 per cent of your regular income until you can return to work – or at the end of your policy’s prescribed benefit period. Call our insurance specialists today to find out how to protect yourself financially in the event of a temporary loss of income due to accident or illness.
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Mintwell Capital Pty Ltd (ABN 13 616 609 548) is an authorised representative, AR 1254638, of AFSL Holdings Australia Pty Ltd (ABN 75 165 392 889) AFSL 460940.