Life can change in an instant. It’s easy to think it won’t happen to me but unfortunately none of us are immune to serious injury, illness or death. Your lifestyle, your goals, your dreams can quickly slip away and severe financial hardship can become a reality. While nothing can protect us from such events happening, adequate protection can mitigate the financial burden and give you and your family piece of mind with a financial safety net in a time of need.
Optalife Advisory will work with you to determine your insurance needs and objectives, the appropriate level of cover and package together with the most suited product provider. We can provide advice on the following areas:
Life Insurance pays a lump sum if you die or become terminally ill. Beneficiaries can use the lump sum to repay debt, pay for children’s education or to sustain your family’s current lifestyle.
Total and Permanent Disability Insurance (TPD)
Total and Permanent Disability Insurance (TPD) pays a lump sum if you suffer a total and permanent disability. It’s money that can be used to pay off your mortgage, make essential renovations to your home and/or provide valuable financial support to let your family to maintain their quality of life.
Trauma/Critical Illness Insurance
Trauma/Critical Illness Insurance generally provides a lump sum upon diagnosis of a specified illness or injury. It is designed to provide money to help you recover financially after a trauma or crisis, such as a heart attack, stroke, cancer or other life threatening illness. The payment is made regardless of whether you are able to return to work and is designed to relieve financial pressure at a time of great stress.
Income Protection provides a regular income if you are unable to work due to sickness or injury. This type of insurance can be particularly important if you have loans and other financial commitments.
Business Insurance, for those who are self-employed, can provide a solution to help your business remain viable, by protecting your business expenses and business income, in the event of sickness or injury.
CONTACT US FOR A COMPLIMENTARY & OBLIGATION FREE CONSULTATION »
Level 7, 443 Little Collins Street
Melbourne, Victoria 3000
Tel: 03 9077 2007
Fax: 03 8672 7676
Optalife Finance: Suite 4 Level 7, 443 Little Collins St Melbourne, VIC, 3000
1 Financial Advice Services provided by Optalife Pty Ltd which is a Corporate Authorised Representative of Millennium3 Financial Services Pty Ltd (ABN 61 094 529 987). Australian Financial Services Licence number 244252.
2 Legal & Accounting Services are all provided by trusted partner firms. Other than a referral arrangement, Optalife Pty Ltd or Optalife Finance Pty Ltd have no affiliation with these firms and take no responsibility for any advice or services provided by these firms.