Superannuation is a powerful tool designed to help you save for retirement, offering the advantage of lower tax rates on investments compared to regular savings and investments.
It’s crucial to understand that superannuation itself is not an investment but a vehicle for investing. The success of your superannuation depends largely on the investments chosen within your fund.
The inability to be able to ever work again can have serious financial consequences for you and your family. Having adequate cover in place can give you peace of mind, knowing that in the event of your total and permanent disability you will be ok financially and able to remain on track to achieving your financial goals.
In the event of your total and permanent disability, you may want to work out if there is enough money to cover any unexpected medical or hospital bills, pay off all debts and provide you with an ongoing income stream
Your ability to earn an income is one of your most important assets if not the most important. Unfortunately, many of us insure our material possessions like our car and house and forget about ourselves. If you are dependent on your income to pay your bills and maintain your current standard of living, then you should consider Income Protection cover.
Income Protection cover generally covers up to a maximum of 75% of your regular income with a maximum benefit period of up to age 65.
With the advancement of medical science, people are now surviving Trauma Insurance events that would have once resulted in an early death. This is great news, however we need to consider quality of life for someone after they have been diagnosed with a Trauma Insurance . The payment of a lump sum benefit upon diagnosis allows you to focus on your recovery, rather than worrying about your financial situation.
You may choose to use the proceeds from Trauma Insurance cover to access the best medical treatment available in the world, pay off some of your debts such as a mortgage or simply take some extended leave.
Business expense cover provides for 100% of fixed business expenses, if the business owner becomes totally disabled due to injury or Illness.
Business expense cover is specially designed for the self-employed individuals or members of a small business who need to cover their fixed business expenses if they cannot work due to injury or illness. It is vital for sole proprietors, who are generally responsible for the 100% of the fixed expenses of the business. It is equally important for small partnerships to work out if that each partner is covered for his or her share of business expenses. Premiums are generally tax deductible.
Key Person Insurance cover provides your business with a lump sum cash payment to compensate the financial loss your business my sustain in the event a key employee suffers a serious illness, disability or death.
Buy/Sell insurance, together with a buy/sell agreement between business owners that provides a mechanism for the outgoing Business owner or their nominee/Estate, to have a lump sum payment for the transfer of equity to the continuing owners, should any of the business owners die, become disabled, or suffers a traumatic or terminal illness.
We respect your privacy and are committed to ensure that any Personal Information we collect about you is handled in accordance with the provisions of the Privacy Act 1988 and the Australian Privacy Principles and any other applicable privacy related laws. Further Information on how we handle your personal information is explained in our privacy policy.
Brad Bell Pty Ltd ABN 72 418 486 001 trading as Brad Bell is a Corporate Authorised Representative (No. 456039) of Matrix Planning Solutions Limited ABN 45 087 470 200 AFS Licence No.238256.
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