Personal Insurance

Because life can be unpredictable, it’s important to be prepared. While insurance can’t stop incidents from occurring, it can assist you to manage the impact upon you and your family when it does – better helping you to regain control and get your life back on track!

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Why Have Personal Insurance

If there’s something important in your life, it’s worth insuring. Unfortunately, many people do not consider that they will need insurance until an incident occurs. Insurance provides peace of mind, knowing that you, your children and loved ones will receive financial support should anything happen to you. 

Insurance works to protect you, your family and your assets when things go wrong. Each day, lives across Australia are disrupted by accidents, serious injuries, illness and death. If something were to happen to you, you’d want to ensure that bills could still be paid, and life could go on as smoothly as possible. 

How Can Wilson Pateras Help Secure the Right Insurance For You

The team at Wilson Pateras will first meet with you to discuss what your and your family’s goals and objectives are and will conduct a ‘needs analysis’ to determine the best level of cover required for you and your family. We will:

  • Look at what insurance you need based on your assets, liabilities and lifestyle expenses
  • Look at your whole financial position, unlike online insurance providers or brokers
  • Compare between multiple providers to determine which are the most suitable and cost-effective options available for you
  • Provide ongoing support to ensure your cover continues to meet your personal needs/goals for years to come while taking any major life events into consideration that may alter your personal circumstances or needs

Personal Insurance Types

When it comes to preparing for the future, it’s important to understand that there are four types of insurance that – while quite unique – are equally as important as each other. 

Life Insurance

To protect the financial future of your loved ones by providing a lump sum payment to your partner or dependents should you pass away unexpectedly.

TPD (Total and Permanent Disability) Insurance

To take the pressure off you financially in the event that you become totally and permanently disabled and cannot perform your everyday tasks without assistance. This is delivered in the form of a lump sum payment (pre-tax or post-tax depending on the structure) based on medical grounds.

Income Protection

To provide you with an ongoing income should you require time off work due to illness or injury. This helps to replace up to 75% of your gross income to cover daily living expenses such as school fees, groceries and mortgages.

Trauma Insurance

To assist with financial and medical expenses as you recover from a critical illness or injury such as cancer, stroke or loss of a limb. Also delivered in the form of a lump sum and tax free (depending on the policy structure).

Enquire About Personal Insurance

Simply fill in the form below to claim your complimentary consultation with one of our financial planners. 

Get a Complimentary Consultation

Our Office

Richmond Office

40 River Boulevard
Richmond
VIC 3121

Phone: (03) 8419 9800
Fax: (03) 8419 9888