Personal Risk Insurance

Personal Risk Insurance

Whilst it is important to create wealth by accumulating and managing investments, it is equally important to protect your wealth creation strategy through maintaining adequate insurance cover, giving peace of mind for you and your family. At HFS, we are not in the business of “selling” insurance. Our philosophy regarding insurance is that you pay for what you get. The cost of insurance cover is based on probability; the lower the probability of a claim the lower the premium cost. We only deal with the leading insurers in the market and expertly manage the balance between cost and benefit.

The types of Risk Insurance cover that we offer include:

  • Life Insurance
  • Total and Permanent Disablement Insurance (TPD)
  • Income Protection Insurance
  • Critical Illness / Trauma Insurance
  • Business Expense Insurance

To view an outline of each of the above types of Risk Insurance – Click Here.

Risk Insurance & Superannuation

Certain Risk Insurance policies may be owned and paid personally or be owned and paid direct from a Superannuation Fund. To view the benefits of holding insurance through superannuation – Click Here.

Choosing The Right Cover For You

Using experienced advisers and sophisticated processes, we expertly analyse & review your situation and then assess which policy is best suited for you; taking into account your family circumstances and the risks you may face. We compare the policy terms and definitions from the multitude of products available in the marketplace. When assessing insurers we consider their underwriting philosophy and requirements, claims payment rating, financial stability and client service & administration performance.

In choosing the most appropriate policy for you, we combine industry experience and market research to form part of our assessment.

If you would like to find out whether insurance products are appropriate for your situation, please Contact Us for an obligation free consultation.