Hub Financial - Redlands Financial Advice

Financial Planning Advice Redlands

Superannuation Advice Redlands

Self Managed Super Redlands

Income Protection Redlands

Life Insurance Redlands

Trauma Insurance Redlands

Investment Advice Redlands

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Retirement Planning Redlands

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Hub Private Wealth Pty Ltd trading as Hub Financial Advice is a Corporate Authorised Representative of Affinia Financial Advisers Ltd ABN 13 085 335 397 AFSL No. 237857

Office Location
12 Doig St Cleveland Qld 4163

© 2019 HUB Financial

Risk Protection

Insurance Advice

 

Risk management as an essential part of any financial plan. Protecting your family, investments and providing peace of mind forms the initial strategy to all comprehensive professional advice. By preparing families for future uncertainties and protecting their lifestyle and income. We all insure our house and our cars, but have we insured the most important things, ourselves and our lifestyle?

 

Different areas of risk protection advice include:

 

Life Insurance

Although it is unpleasant to think about the ‘what if’s’ in life, it’s important to take time to evaluate how well you and your family are protected in the event the worst happens. Life insurance provides financial support for your loved ones at a time they need it most. The lump sum payment to your family can help them manage major household debts such as the mortgage, car repayments or education costs for your children.

 

Income Protection

Income protection offers financial protection for you and your family if you are unable to work as a result of illness or injury. Income protection covers up to 75% of your salary and is paid as a monthly benefit to you. Income protection payments can help you and your family to continue to pay the mortgage, put food on the table and carry on financially until you return to work. Income protection is tax deductible

 

Trauma Insurance

Trauma insurance pays you a lump sum benefit in the event you are diagnosed with a “qualifying condition” such as (not limited to) cancer, heart attack, stroke etc as specified by the insurance policy. The occurrence of a major trauma can affect both the physical and emotional well being of individuals and their families, and a lump sum can help towards easing the stress during what is most likely to be troubling times Trauma insurance is designed to give you money when you need it most and can be used to cover lost income, medical and rehabilitation costs, and other varying expenses such as mortgage repayments. Some people choose to make a permanent lifestyle change, such as reducing their working hours, so they can spend more time with family. Contact us today to implement your protection strategy.

 

Total and Permanent Disability Insurance

Most people understand that accidents can occur to everyday people going about their everyday business, however most people believe that they will not be affected. The important thing to understand is that it can happen to anyone at any time and, depending on the severity, could prevent you from ever working again. Total and permanent disablement (TPD) cover provides you with a lump sum benefit in the event you become totally and permanently disabled, rendering you unable to earn an income. This will assist you to clear out debts, provide funds for medical costs, alterations required around the house and annual income streams to ensure you maintain the same quality of lifestyle. It is generally paid when you have been advised by a medical specialist that you will never work again.

 

Business Expenses insurance

Business expenses insurance can be used to top up income for self employed business owners. It is a similar to income protection insurance , but it’s designed specifically for business owners.


The business expenses policy pays a monthly benefit to business owners for generally a period of 12 months, to cover business costs if you (as a business owner) suffer an illness or injury and are unable to work. It can provide piece of mind by paying your fixed monthly bills if you are unable to work due to sickness or accident.

 

Talk to a Financial Planner

 

Your initial, no-obligation consultation with a Hub Financial adviser is complimentary. Make an appointment today for a time that suits you best.

 

Complimentary First Consultation

Your opportunity to speak with us about beginning your financial journey.