Life Insurance Advisers

Life Insurance & Income Protection Insurance Brisbane

Our insurance and financial advisers at Lewis Financial Planning Pty Ltd are dedicated to our clients in providing them expert, quality and tailored advice.

We understand the confusion clients face daily when it comes to insurance. At Lewis Financial Planning Pty Ltd, we work with you to understand your specific needs, goals & objectives and provide advice and recommendations to you on the best solution for your circumstances.

Our team of professional insurance advisers are always available and prompt with our responses regarding any questions concerning your insurance or financial situation. We take pride in providing quality advice.

 

Have you considered Income Protection, Life, TPD & Critical Illness Insurance?

It is estimated that one in three Australians will be unable to work due to illness or injury for a three-month period, or longer, during their working life*.

Income Protection policies cover the loss of income you incur as a result of an accident, illness or disablement that prevents you from being able to work.

Imagine a sudden accident or illness that causes you to stop work for an extended period or permanently? Are you financially protected in this instance? How would you meet your financial commitments including living expenses, mortgage, car & personal loans, school fees, medical expenses, credit card debt? To discuss how we can help you protect your financial future, contact our expert insurance and financial advisers so we can assess your current needs & circumstances, and advise on the most appropriate steps that should be considered specially for you to protect you financially following accident or illness.

How would you or your family cope financially should you suffer from a permanent disablement such as paraplegia, quadriplegia or a traumatic event such as Cancer, Multiple Sclerosis, heart attack or stroke, just to name a few?

Life, TPD and Critical Illness policies assist to provide financial protection to you and your family through a lump sum payment, which can be utilised for example, with assisting in clearing of debts to ease the financial burden of being unable to work, medical and rehabilitation expenses, modifications to your home, financial support for your spouse and children to assist with living and education expenses.

Whether you currently have a policy in place at present or do not currently have any cover, we are able to provide a review service and provide recommendations on the cover you should have or upgrades to your current Income Protection and Life policies to meet your current needs and circumstances. This includes providing quotations as a comparison to ensure you are receiving the most competitive terms from your existing insurer for comparable cover.

Contact us today to discuss potential solutions and develop strategies for life insurance and income protection. Lewis Financial Planning Pty Ltd offer tailored recommendations taking into account your specific financial situation and your needs. Know that you are in safe hands when it comes to your recommended cover as your financial well being is our team’s highest priority.

It is crucial to have the right support and guidance for your life insurance and income protection during a serious accident. Talk to our team of leading professionals at Lewis Financial Planning Pty Ltd today to make sure you are covered in a sudden occurrence.

Lewis Financial Planning Pty Ltd provides Life Risk Insurance advice for the following types of insurance;

  • Income Protection
  • Life Insurance
  • Total Permanent Disablement
  • Trauma/Critical Illness
  • Business Expenses Disability
  • Group Life/ Income Protection
  • Key Person, Buy/Sell

To discuss your options, please contact our dedicated Financial Adviser Guy Rigby on (07) 3217 9015 or via email by clicking here.

*Source: Australian Disability Table IAD89-93 Class 2

5 FAQ on Life Risk Insurance

Here a number of frequently asked questions we hear about life risk Insurance. You may identify with these and find an answer. If not, simply call 3217 9015 or request and appointment by clicking here

Why do I need Life Risk Insurance?

Insurance is the most cost-effective way to protect your family’s, way of life against the financial burden that can result from your death, serious illness or injury. Whilst most working Australians have some life insurance cover through their superannuation, many do not have nearly enough to offset the permanent loss of a breadwinner’s income

It is important to understand the financial risks you may face.  The right sort of insurance protection needs to be in place to help you protect your lifestyle by ensuring that important expenses such as your mortgage, rent, utilities and other day to day living costs can continue to be paid should the worst occur. Knowing that you don’t need to worry about paying your bills and having the option to explore alternative medical treatments or make changes to your lifestyle, are all important benefits of insurance protection

What is Trauma Insurance?

Trauma insurance pays a lump sum benefit in the event that you suffer, or are diagnosed with, a covered major illness such as cancer, heart attack or stroke and a number of other conditions. This benefit can be used for any purpose, for example to cover medical costs, pay for nursing or household assistance, cover short-term living costs while you are recovering or to pay off your debts

Can you explain Total and Permanent Disability Insurance?

Total and Permanent Disability (TPD) Insurance is there to carry on financially in the face of a life-changing medical condition and is available as an optional benefit with Life Insurance cover

In the event that you are totally and permanently disabled and can never work again TPD Insurance pays a lump sum. This benefit can be used for a number of purposes, for example to cover medical costs, make changes to your home or lifestyle to accommodate your condition or to pay off debts as well as provide for ongoing living expenses for you and your family

What exactly is Life Insurance?

Life insurance allows those left behind after someones death to move on financially and helps them to realise the future you had planned for them

Life Insurance pays a significant lump sum benefit in the event of your death or your diagnosis with a terminal illness. This benefit can be used for any purpose, for example to pay off a mortgage or other debts or provide for ongoing living costs such as rent, children’s educational expenses and other day to day living expenses

How do I know how much cover I need?

Your Adviser will provide recommendations to you as to how much cover you need. This will be impacted by issues such as your age and stage of life, the number of dependents you have, the age of those dependents, your debts (such as your mortgage and other personal or business loans), the cost of your lifestyle and your plans for the future.