Planning for the unexpected – Insurances
One thing is for sure – at some stage in your life, you’re going to need help and support. Your need for insurance, or personal protection, changes as you move through different stages of your life. The amount and types of insurance you require will be influenced by changes to your personal and financial situation.
Strategic Point will help you work out the appropriate types and sums of insurances you need and identify opportunities to save money on your premiums whether through changes to the insurers policy or changes in your own personal circumstances.
Some people choose to incorporate life insurance, total & permanent disability cover and income protection into their superannuation. While there are positive aspects to doing this, there are also financial, tax and cover limitations to consider. Strategic Point Planning can work with you to identify an insurance plan that will help you meet your long-term goals should the worst occur.
Businesses incur a great deal of financial risk and depending on the service provided the risk can extend to loss of equipment, personal injury or the public. While some insurance products are compulsory by law – workers compensation, third party and public liability – there are also a number of others that will apply to the service you provide. At Strategic Point we will help you to identify the insurance that’s right for your business. Income protection, cover for key persons, business overheads and business succession planning are just some of the options available to help minimise risk and ensure an income should an accident, event or sudden loss of persons effect your business.
Strategic Point Planning specialise in:
- Total & Permanent Disability (TPD)
- Income Protection
- Buy/Sell Agreement/Business Succession
- Key Person (Capital/Revenue)
- Business Overheads