Family Protection

You invest significant time and energy in building your wealth. Protecting the wealth you have created and your family assets should be equally important.

We automatically insure our homes and cars for the unexpected. Imagine if something were to happen to you, which impacted the income you receive – how would you manage your loan obligations. The more wealth you build, the more critical it is to have the right level of risk protection, whether it is Income Protection, Trauma, Life Cover or a combination.

Habitus Wealth Creation tailored advice and solutions, means we take an impartial view and recommend risk insurance policies that address your unique needs and circumstances. It’s about ensuring you have the right policy and cover to alleviate the stress and obligations, should something unforeseen happen. After all, protecting you and your family has to be a number one priority.

Getting the structure of your risk protection right can save you money now. There are also tax implications to consider. With so many rules and regulations around risk protection, it pays to seek advice. Our step-by-step approach delivers:

A clear picture of what you need.
The costs involved.
The benefits to you.

You have piece of mind knowing that Habitus Wealth Creation will provide ongoing reviews of your policies and levels of cover, ensuring they continue to meet your needs.

Protection Services:

Income Protection

Income protection insurance replaces up to 75% of your income lost through your inability to work due to ill health or an accident. It pays to have some assurance that your family and financial future are protected. Whilst all income earners should have income protection, self employed and small business owners are most venerable.

Trauma Cover

A serious illness can make it difficult or almost impossible to for you to continue work. If the unforseen was to happen, you need to be able to meet your financial obligations and support your family. Trauma insurance provides a lump sum payment in the event you are diagnosed with a specified illness, such as cancer, heart attack, stroke etc. Policies vary, so it pays to seek professional assistance.

Habitus Wealth Creation tailored advice and solutions will ensure they assess your needs and recommend only the appropriate policies for consideration.

Life Cover

Life cover is a way to protect your family’s financial future at the most difficult of times. Just think for a moment, you have worked hard to build up your family’s wealth and the most unforseen of circumstances happens, you unexpectedly pass away. You want to ensure your family can continue to pay the mortgage, cover the school fees and have funds to take a holiday. Also known as life insurance or death cover, many Australian’s have this policy within their superannuation fund, however if your policy is the default option, it probably does not cover your needs. Seeking professional advice about adequate cover can make a big difference to your family’s future livelihood.

TPD

TPD (Total and Permanent Disability) insurance is designed to help alleviate the financial burdens should you suffer an illness or injury that leaves you totally or permanently disabled. The lump sum paid to you can be used to pay for medical bills or help to illuminate debts. It’s another way of having piece of mind should the unforseen happen. We will assess your needs, discuss options and advise you on the appropriate level of cover.

Protection Services:

Income Protection

Trauma Cover

Life Cover

TPD

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