What Types Of Cover Do We Advise On?


Depending on your particular circumstances… you may want one, or a tailored combination of the following insurance products to provide you with the right mix of cover. If you’d like to talk about this over the phone like most of our clients do, simply call us on 1300 822 902 anytime and we’ll discuss your options.

Death Cover or Term Life Insurance provides a lump sum payment upon the death or terminal illness of the insured person and can be used to pay off debts, provide for children’s education and secure you family’s lifestyle

Total and Permanent Disability Insurance provides a lump sum if you suffer from an illness or injury that leaves you totally and permanently disabled. It can provide for the same reasons as above as well as pay for additional medical expenses, home modifications, supplement income etc

Income Replacement Insurance provides a regular taxable income in the event sickness or injury prevents you from being able to work . It ensures that assets are not sold or spent to replace lost income, protecting the lifestyle you have worked hard to build

Trauma Insurance is designed to provide you with a lump sum when you suffer a critical illness such as heart attack, cancer or stroke. This payment is made regardless of whether you are able to resume work and is designed to relieve financial pressure at a time when you are under great stress. This gives you the choice and flexibility to meet additional medical expenses, reduce working hours, spend more time with the family, help with rehabilitation, reduce debt or supplement any Income Protection cover

Asset and Revenue Protection Insurance provides funds for a business to allow extinguishment of debt on the death, disablement or critical illness of a key person to the success of a business. It can also provide funds to cover a loss of revenue ensuring the business continues as a going concern

Ownership Protection Insurance provides funding for a business ‘succession’ plan on the death, disablement or critical illness of a business owner. This is particularly important, especially in businesses with more than one owner

Business Expenses Insurance covers the ongoing costs of business if you are self-employed and cannot work due to illness or injury. It is designed to keep the business going during the period of disablement so that you always have a business to come back to

It’s also great to know that you can have a mix of policies, providing thorough cover in the most tax effective way. Care4Wealth knows how to find the right balance of insurance for you, no matter what your personal or business circumstances…

If you want to know more, simply call us anytime on 1300 822 902 and we’ll be happy to give you all the straight-talking info you need.

Disclaimer: You should also obtain a copy of and consider the Product Disclosure Statement (PDS) for any financial product mentioned before making any decision to acquire a financial product.