Income Replacement Insurance

Comparing Income Protection Insurance with Salary Continuance Insurance Income replacement insurance is a form of wealth protection that provides an income stream to replace a 'normal' income stream (such as wages or profit from a self-employed business). It is important to provide financial stability during times of interrupted earning occasioned by accident or illness. Income Protection insurance is the more common name for this particular life insurance product, but when [...]

By |2021-07-27T15:24:42+10:00November 21, 2014|Risk Insurance Strategies|0 Comments

Superannuation linked Life Insurance

What is superannuation linked life insurance?Should I have life insurance product linked to my superannuation? Superannuation linked life insurance products are those that have elements of the protection for the insured covered both inside and external to superannuation. A particular policy structure links the two elements. Many of us have at least some of our life insurance protection paid through our superannuation accounts. In some cases this is a cash flow [...]

Investment success contributor: Salary Packaging

Salary packaging as an investment success contributor We are all looking for investment success contributors: salary packaging is one of the more accessible, and if used effectively, very successful. Salary Packaging can lead to financial benefit In readiness for the start of each new financial year, as we reflect on how effectively we have utilised the financial resources available to us during the past financial year, we often hear discussion [...]

By |2018-01-10T09:56:11+10:00June 11, 2012|Tax, Wealth Management|0 Comments

Superannuation Investing

What is superannuation investing? Superannuation investing entails two elements of investment concept: firstly, it is important to recognise that superannuation is not of itself an investment, as a structure under which investments are made; secondly, superannuation investing applies all of the usual skills required for investing of any type and includes: identification of goals (and the timeframe for their achievement);assessment of the risk aversion profile of the superannuation fund member (the [...]

Income Protection Insurance

Income Protection Insurance (is Salary Continuance Insurance under some Superannuation accounts) Income Protection Insurance provides financial protection for the insured, against a loss of income whilst they are unable to work due to illness or injury. The policy will provide for the insured to be paid a prescribed benefit after the conditions of disablement have been met and the nominated waiting period has elapsed. Generally, to qualify for an income protection benefit [...]

By |2021-06-16T09:13:50+10:00August 1, 2011|Superannuation Strategies|0 Comments
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