IMPORTANT

Please note that any of the content you may read on this website must be considered general in nature as it has not been prepared to take into account your specific objectives, needs and financial situation. The information may not be appropriate to your individual needs and you should seek our or your Financial Adviser before making an investment decision.

Welcome

Welcome to YourFP, where we give the power to you to do your own financial planning using tools and information we have provided to you under General Advice.

We are available to provide you with Personal Advice so if you don’t want to do it yourself – give us a call and we will be happy to assist you in any way possible.

Things for you to consider

If you have people who depend on you, having term life insurance is critical.

Protection for Lifetime’s worth of Assets

What are your assets? When you think of the term ‘assets’ you most likely visualise possessions such as your home and car, or perhaps you think of jewellery, savings or investments.

What about your relational assets? These are assets based on the relationships you have with the people closest to you and are characterised by a high degree of emotional and physical dependence or interdependence.

What is your most valuable asset?

Is it your home, your superannuation or even your car? You may be surprised to learn that it is probably you! If a 35 year old receives an annual salary of $50,000 each year for the remainder of their working life you would potentially need $1 million to replace that income. What would happen if you were no longer around or could not work? Can you replace your lost earnings? Will the mortgage be paid?

Critical Illness Cover

This cover can provide cash to smooth the way and help get things back to normal in the event of a serious illness such as cancer, stroke, heart attack or coronary artery by-pass surgery.

You don’t need a financial problem when you have a medical one as well. Critical illness can provide a lump sum of cash on diagnosis of a wide range of illnesses. It could allow you to make a better recovery.