Protection today for a secure tomorrow
Our clients are more than just a number to us at Shire Life Insurance Brokers, that’s why our range of services are tailored carefully to you and your unique needs and goals. It's our greatest wish for you to leave your appointments feeling secure, inspired and excited about your financial future. Our service offering currently spans;
Holistic Advice
We review your overall financial position and ask about what outcomes you would like to achieve if something were to happen to you or a loved one.
We take into account needing to balance affordability with adequate cover as insurance premiums should not be a burden on your finances. The goal is to find a balance that protects you and your family without financial stress.
We consider your financial position to advise on if your insurance should be held by you personally, your spouse, your superannuation or an entity such as your business for your benefit. Everyone’s situation is unique so we take a one-on-one approach to advice.
Life Insurance – Death Cover
Death cover pays a lump sum to your nominated beneficiary upon passing. The funds may be used as a form of income replacement, inheritance, debt repayment, kids’ educational expenses. Once the lump sum is paid, the beneficiaries are free to use it how they see fit.
We look at your family members to help determine who is relying on your income and how to continue this income in the event of your passing. We can then calculate and advise on how much cover you need and for how long.
Income Protection Insurance
Income protection provides you with an income in the event you are unable to work due to sickness or injury. You can opt for 2 years of cover to help you get back on your feet in a relatively short amount of time or you can opt for cover that pays you all the way to age 65 to protect you in more significant cases of sickness or injury that take longer to recover from or are non-recoverable.
Disability Insurance
A lump sum paid in the event of your disability. Varying degrees of disability may pay partially or entirely.
We consider how to protect your finances in the event of a disability. Perhaps you want to eliminate your mortgage in the event of a disability or want a significant lump sum available to allow you to obtain the best medical assistance possible.
Cancer & Trauma Insurance
Protection if you are diagnosed with a particular sickness. A lump sum is paid to you if you obtain such a diagnosis. You can use the funds to seek the best medical attention, pay for medications, rehabilitation and ongoing treatment. You may like to eliminate your mortgage or retire altogether.
Business Insurance – Keyman Insurance – Owner Buy / Sell Insurance
Do you know, or are you a key employee in your business? You may want to insure them or yourself with death, disability, trauma and/or Income Protection to protect the business. The idea is that if something were to happen to the keyman, then the funds become available to the business to replace them either permanently or temporarily while they recover.
In the event of something happening to a partner, director or co-owner of a business the business may elect to ‘buy out’ that person using insurance proceeds. For example if something happens to one of two owners of a business then instead of the deceased spouse inheriting half the business they are instead paid out using the proceeds of death cover insurance held by the business.
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How Can We Help?
To get started on your journey to financial freedom and security, get in touch with our friendly team at Shire Life Insurance Brokers by using the form. We will get back to you as soon as possible.