top of page

Do you know what you would do if you were suddenly unable to work, or how you and your family would get by if the worst were to happen to you.

A successful financial future relies on the protection of assets and income.


What would happen to your plans if you were suddenly unable to work?  What would happen to your assets and financial situation if the worst were to happen?


  • Do you know how much insurance you need versus hold?

  • Do you understand what insurances are available?

  • What insurances may be needed to protect your family and/or your assets?

We can help you understand what your needs are based on your situation and goals.  We can then provide you options, all designed to protect you, your assets and the ones you love without impacting the achievements of your goals.

Life Insurance


When it comes to your assets, there's none bigger than your life.  Life Insurance provides cover to take care of your loved ones if the worst was to happen to you.  Generally speaking, LIfe Insurance pays out a lump sum amount in the event of death.  Your family can use this to pay off your mortgage, cover ongoing living expenses and invest it for future expenses.

Trauma & Critical Illness


Trauma Insurance provides a lump sum amount on the diagnosis, or occurrence, of one of a list of specific injuries and illnesses such as heart attack, cancer, or stroke.

Did you know?

You have a one in three chance of suffering a major illness between the ages of 30 and 64?


Trauma & Critical Illness Insurance relieves the financial burden a serious illness can cause.  The proceeds can be used for anything you choose and can offset expensive medical bills and provide additional funds to complement Income Protection payments whilst you recover.

Total & Permanent Disability (TPD)


When you are disabled and unable to ever work again, total and permanent disability insurance pays a lump sum you can use to:

  • Pay for disability-related costs, including rehabilitation

  • Pay for changes to your lifestyle, for example to refit your home

  • Enable your partner to reduce their working hours to look after you or, alternatively, to get a carer

  • Pay off your mortgage, or any other debts you may have; and

  • Provide a reserve to use as an income replacement

In the event you receive a TPD payout, you may use these funds as you wish.  You can pay off your mortgage, or you may choose to invest it to generate a regular income.

Income Protection


If you lose the ability to generate an income due to sickness or injury, Income Protection can provide an income stream equivalent to 75% of your pre-disability income.  The purpose of Income Protection is to cover the majority of your living expenses (such a rent, mortgage repayments, groceries, utility costs, school fees etc) during your recovery period.

Generally speaking, Income Protection Insurance alleviates the stress of mortgage payments, bills and normal expenses for you and your family and the premium is typically tax deductible.

Disclaimer:  The information on this website is general information only and is not intended to be a recommendation. We strongly recommend you seek advice from your financial adviser as to whether this information is appropriate to your needs, financial situation and investment objectives. Whilst every care has been taken in the preparation of this website, 452 Pty Ltd, its directors, authors, consultants, editors and any persons involved in the construction of this website, expressly disclaim all and any form of liability to any person in respect of this website and any consequences arising from its use by any person in reliance upon the whole or any part of this website.

bottom of page