Are you one of the hundreds of thousands of Australians who is under-insured? Taking steps to ensure you and your family are adequately protected with the right risk insurance options is one of the most important things you can do to protect your financial security.

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We encourage all of our clients to undertake a comprehensive insurance review as part of our mortgage broking and financial planning services. As part of this process, we assess your current financial commitments, your lifestyle goals and family needs to help you decide the level of insurance coverage that’s right for you – and what the potential consequences could be of various insurance choices that you and your family make

What is risk insurance?

Risk insurance encompasses the insurance products that relate to your life and ability to work. This includes:

  • Life insurance
  • Income protection, or salary continuance – for example, while recovering from short-term illness or injury
  • Total and permanent disability
  • Trauma insurance, or critical illness
  • Business expense insurance, including key person

A basic level of insurance is usually included as part of your superannuation fund, but don’t assume that this will be enough to meet your needs. At Shore Financial, we can help you to determine the level of coverage that is right for your circumstances and find you competitive premiums.

Why you need to consider risk insurance

Nobody likes to imagine the unthinkable happening, but life is full of risks and unexpected events, so it’s important to take steps to protect the financial security of you and your family. Should you pass away suddenly, be critically injured, or be struck down by long-term serious illness, there can be dire financial consequences. Home loans can’t be paid and houses get repossessed. Children need to change schools due to an inability to pay fees, adding to an already emotionally distressing time. These are some of the very real consequences that families face in Australia every day; do you want to risk that for your family?

Get a no-obligation risk insurance quote

At Shore Financial, we’ll provide you with an obligation free insurance proposal, including comprehensive life insurance, so that you can understand the costs of various levels of cover. To get started, phone our team of financial service brokers today on 1300 416 700.

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Contact our team or call us on 1300 416 700 to get started.

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