Services

We specialise in a wide range of insurance services ~

Life Insurance | Income Protection | Trauma |Total Permanent Disablement | Superannuation

Life Insurance

If you were to die tomorrow, what life would you leave behind for your family? How would they pay the mortgage, school fees, living expenses such as keeping the car on the road, food, clothes, phone bills, rates, power, gas and the list goes on. Let’s not forget your funeral expenses and any medical expenses not covered by health insurance that you may have incurred prior to your premature death. How will they pay for this?

You may have money in savings plans, or shares, or equity in your home, but turning this into cash may mean your family having to sell assets to survive. Don’t forget they are also dealing with the emotional pain of your premature death.

Life Insurance won’t ease the pain your family feels because of your premature death, but it will ease the financial burdens placed upon them. Life Insurance provides a lump sum payment to your nominated beneficiaries in the event of your death or to you upon medical diagnosis of a terminal illness, money which can be used to extinguish debt and leave a cash reserve for those left behind.

“60% of Australian families will run out of money within one year if a main breadwinner dies” The sum of life - June 2007. Comminsure Newsletter August 2008.

Does your family fit into the 60%?

Life Insurance, can your family afford for you not to have it?

Income Protection Insurance

One of your greatest assets outside of your family and your health is the ability to earn an income. What would the effects be on you and your family if through accident or illness you couldn’t work for an extended period of time?

Income Protection Insurance will pay you a monthly income equal to 75% of your gross income if you are unable to work due to sickness or injury. Income Protection Insurance is very flexible with choices on waiting periods and benefit periods. The premiums you pay for Income Protection are generally tax deductible.

According to the Financial Study 2008, Newspoll Market Research - “56% of Australian workers say if they had to stop work due to illness or injury they would run out of money within one month.” Source - Comminsure Newsletter August 2008.

Ask yourself these questions, if you couldn’t work for 6 months

Do you have cash reserves to fall back on?
How long would those reserves last?
Do you want to rely on social security payments?
Could you maintain the life style you currently provide your family?

With Income Protection there are a lot of options available to suit each individual’s needs and circumstances.

Trauma Insurance

Trauma Cover targets a specific range of medical conditions that you may suffer in your lifetime and pays you a lump sum upon medical diagnosis of such condition/s by a registered medical practitioner.

Trauma events like cancer, heart disease, stroke, coma, loss of limbs, blindness, burns, major head trauma and many other critical illnesses, injuries and diseases are covered by trauma insurance. (This is a guide only, for detailed information on exact cover refer to the insurer’s PDS).

Why would I need Trauma Cover?

Australians aged between 30 and 64 have a 1 in 3 chance of suffering a major medical illness (e.g. cancer, heart disease). General Cologne Life re Australia 2002. Comminsure Newsletter August 2008.

The lump sum payout trauma cover would provide you on diagnosis of a qualifying trauma condition could;

Clear debts, giving you financial breathing space so you can focus on recovering.
Assist with medical expense.

Need to know more about Trauma Cover?

Total Permanent Disablement (TPD)

TPD cover pays a lump sum if you become totally and permanently disabled due to illness or injury.
You may need it if

If you are unable to work again and need money to survive.
To fund disability related expenses such as home modifications and special medical needs.
To help maintain your family’s lifestyle if you can’t work again.

Superannuation

In today’s economic climate, now more than ever you need the right advice when it comes to the structures you have in place in your superannuation fund.

Is my current fund the right one for me?
Is my current fund working for me?
Which fund is the right one?
Do I go with my employer’s fund?
Industry funds are advertised heavily, are they the right for me?
Self managed funds, what’s that all about?

At Kevin Turner & Associates Pty Ltd we can give you the information you need to help in your decision about what is right for your Super. We are also authorised to give you advice to help you tailor a super plan that meets your current needs and position in life.

Disclaimer

As is always the case each and every individual is different with varying needs and requirements. So too are insurance policies, and under all of these covers there are many and varied products with many and varied exclusions and qualification requirements. Our experienced advisers will be able to help you sort through the maze of products available to you and your family.

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Total Permanent Disablement (TPD)

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