(These services are offered through Your Risk Protection Specialists, Authorised Representative of Professional Investment Services Pty Ltd, ABN 11 074 608 558, Australian Financial Services Licence No. 234951)

Most people and companies don’t do enough planning for their own future, or that of their key people. Are you like this?

We all hate to think about the negative WHAT IFS, but at East West Insurance Brokers, in conjunction with Professional Investment Services we make it as painless as possible for you!

We can design life-risk products to suit your particular needs by doing a comprehensive needs-analysis. We look at your business and private goals, expectations and commitments. Then we put it into an easy-to-understand solution for you.

Business risk planning
The loss of a director, partner or equity holder through sudden death or total and permanent disablement can be as devastating to your company or firm as to the person ’s family! But having a financial plan in place BEFORE a disaster strikes will minimise the impact of this financial risk for everyone.

This plan means that the assets of the lost director/partner and their family will be protected by clearing the company debt-levels, thus giving the family peace of mind at a stressful time, and protecting their standard of living.

The plan will also ensure that the shareholding of a lost director/partner can be transferred to the existing directors with minimal expense to the company (usually less than 1% of what the actual costs are).

Family protection planning
... involves protecting your family’s living-standard by combining 12 different affordable policies from mainstream life companies. To arrange this, Your Risk Protections Specialists will…

  • Help you complete a fact-find to understand the requirements of your family.
  • Provide you with a statement of advice to tell you about the different policy types available to be used, and
  • Discuss with you the correct amount of coverage to ensure your needs are fulfilled.
This plan usually combines the following insurance products:
  • Life insurance
  • Total and permanent disablement insurance
  • Trauma/critical illness insurance - which all pay a lump sum to your family in case a family member suffers a life-threatening illness or accident that influences your family financially. The funds are used to clear debt, to contribute towards medical and/or accommodation costs for your family such as any necessary home alterations, and to supplement any income lost, if that family member (or perhaps others caring for them) can no longer produce income, and...
  • Income protection - which provides a monthly payment to your family for ongoing support in case your family’s income-earner is temporarily unable to perform their duties at work. This 24-hour coverage ensures that while no income is being earned, your family will still receive 75% of their normal. It is tax-deductible and protects the most important asset a family has: an income-producing member.
Mortgage protection planning
Using life, total and permanent disablement and trauma insurances to ensure that any individual’s assets can be protected by clearance of debt, if suffering a defined event.

Ask us about protecting your financial security with:

  • Income protection
  • Key personnel
  • Death and disability
  • Loan covers
  • Trauma covers
  • Employee benefits
  • Partnership buyouts
  • Group plans

Need high-risk cover?
Ask us how we can help you minimise your risk AND your costs! More

Professional Investment Services Pty Ltd
AFSL 234951
ABN 11 074 608 558
Website: www.profinvest.com.au