Why do you need to insurance yourself?
- Have you ever heard about someone who has unexpectedly had an accident, been diagnosed with a severe illness or worse died? These situations are hard to deal with at the best of times, but can be made considerably worse if there is financial stress on top of the dealing with the situation.
- Personal or risk insurance provides financial protection for you in the event that the you suffer a traumatic event such as a critical illness, or become disabled and unable to work for an extended period. Should you pass away Life Insurance provides financial security for the family you leave behind
Points of difference
- The insurers we use assess you at the time of application, meaning all of the cover that is provided is already in place for your health situation when you take the policy. Many other providers of personal insurance will assess you at the time of claim meaning with those providers there is extra burden and a 50% chance of your claim being rejected
- We structure the insurance to your needs and budget
- If you need to claim we manage the claims process for you
- No fees for our service
Types of Insurance Available through us
- Life Insurance – pays a lump sum if you should pass away
- TPD – pays a lump sum if you become permanently disabled and are unable to work again
- Critical Illness – pays a lump sum should you suffer a critical illness such as cancer, stroke or heart attack
- Income Protection – covers your income should you have an illness or accident that means you are unable to work for an extended period
- Business Expense (BEX) – covers fixed overheads (like rent or bills) for a business if as the proprietor you are unable to work for an extended period
Process
- Contact us through the enquiry form or phone if you prefer
- We contact you discuss your requirements
- We provide a quote, and discuss options with you
- We book in a time to go through the assessment questionnaire
- We manage the approval process and keep you informed throughout
PM Financial & Insurance Services Pty Ltd is a C.A.R. of Spectrum Wealth Advisers AFSL 334400