Insurance Reviews

Recognise that your personal risk insurance is an important part of your financial plan: even if you don’t currently work to a documented plan. Personal Risk Insurances (Life (Death) Insurance; Total (Temporary) and Permanent Disability – TPD; Trauma (Critical Illness); Income Protection – Salary Continuance; and Business Expense) are part of your Wealth Protection strategy.

We at Continuum Financial Planners believe that just as any business or financial plan should be reviewed on a regular basis, so should your wealth protection plan.

On an annual basis, timed around the anniversary of one of your key policies, we offer a review process that will raise with you all of the relevant questions as to why you hold the insurance in the first place:

• are those reasons still current?
• is the level if still appropriate?
• have any relevant circumstances changed?

These reviews are undertaken at no cost to you if we manage your insurance portfolio as the ongoing commissions we receive are designed to meet our cost of providing the service. If you have not been offered a review of your insurances in the past twelve months, please contact our office to arrange either:

• for us to be appointed managing adviser to your insurance portfolio; or
• if we are managing the portfolio, to make an appointment.

Changing circumstances that can impact on the effectiveness of your insurance cover, include –

• employment status;
• salary level;
• marital status;
• financial dependants; and even
• smoker status.

Contact Us soon to arrange your next insurance review.