Risk Insurance

Financial Protection

While many people insure their home, car and possessions, it is even more important to make sure your family and lifestyle are protected from financial misfortune.

Without a regular income, it can be a challenge just paying for everyday household expenses like groceries and power bills, while ongoing mortgage repayments or school fees can quickly eat away any savings.

Worse still, if you’re self-employed and can’t work because you’re ill or disabled, you could be faced with the added pressure of the business bills rolling in.

Risk Insurance

The good news is that we can use risk insurance to structure a total financial protection package for you to protect against;

  • loss of income,
  • disablement,
  • serious illness and
  • death.



While car and home insurance are relatively straightforward, personal risk cover can be complex, with many different options and levels of cover to choose from.


Are You Covered?

We can help you decide which cover is right for you and what issues you need to consider.

For example,

  • Which family members would you insure?
  • When does it make sense to insure a non-working spouse?
  • How should the benefits of any payment be distributed?
  • What benefits are available within your superannuation scheme?
  • What are the tax implications of taking out insurance? 


Business Insurance

If you own a business we can also review your business insurance needs.

For example, is there ‘key person’ protection in place for the business owners and managers?

Are the business assets and stock adequately insured against theft and damage? 

Call Scott McDonald now on 03 9562 2244 to find out just how you can protect the things that are most important in your life.


Investment                Superannuation

INVESTMENT                        SUPERANNUATION