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Insurance Packages

  •        Life Insurance

  •        Tradesmen & Contractors

  •        Mining Occupations

  •        Business Insurance

 

Life Insurance - Is your family protected?

Life insurance is designed to pay out any debt in the event of a life insured’s untimely death. It can also be used to provide ongoing income for the surviving spouse and/or family to live off.

Options that can be added to a life insurance policy include:

Total & Permanent Disability Insurance (own or any occupation) – which pays a lump sum benefit if you are unable to work ever again due to illness or injury.

Trauma (Critical Illness) Insurance – which pays a lump sum benefit on diagnosis of an insured event (eg cancer, heart attack, stroke etc – approx. 50 different conditions). These funds can be used for treatment costs and to stabilise your income.

 

Trades People/Contractors - Have you got the right cover?

Tradespeople and contractors need an appropriate level of income protection cover to protect them from loss of income due to illness or injury. Often it is required for such workers to have this cover to get on site to work.

Income Protection covers you for up to 75% of your income. This will be paid to you if you can’t work due to illness or accident/injury. There are many different options and benefits available and can be tailored to suit your individual needs.

Waiting periods include: 14 days, 30 days, 60 days, 90days, 180 days and 2 years.

Benefit periods include: 2 year, 5/6 year, to age 65.

Often Income Protection premiums are also tax deductible.

*Public Liability/Professional Indemnity: Another essential cover required by self-employed/contractors is Public Liability or Professional Indemnity. We can also arrange quotes for these types of cover for all occupations.

*this is not provided under Aon Hewitt Financial Advice’s Australian Financial Services Licence 

Mining Occupations - Specialised insurance packages...

Here at LFS we have access to numerous insurance companies that offer very competitive rates on all mining occupations – above and under ground.

We specialise in tailoring insurance packages including Life Insurance, Income Protectio &, Public Liability/Professional Indemnity for all mining occupations and trades.

 

Business Insurance - Is your business protected against the unexpected?

We specialise in giving advice to small – medium enterprises in relation to Business Protection Insurance. Our Business Protection Risk Packages can include any or all of the following components:

Buy/Sell Cover – This is insurance which funds the buyout of shares by other business partners/shareholders in the event that the insured dies, is disabled, or suffers a trigger event (such as heart attack, cancer, stroke etc). This is in conjunction with a buy/sell agreement drawn up by a solicitor, which we can facilitate if required.

Key Person Cover – This covers potential business loss (either income or capital) if a driver of the business dies, is disabled, or suffers a trigger event.

Debt Cover – This cover is designed to extinguish the business debt in the event that the insured dies, is disabled or suffers a trigger event.

We will complete a comprehensive diagnostic of your business, and liase with your accountant where possible, to ensure all business risk areas are addressed. 

Life Insurance

Is your family protected?

Life insurance is designed to pay out any debt in the event of a life insured’s untimely death. It can also be used to provide ongoing income for the surviving spouse and/or fami...

Read More

Trades People/Contractors

Have you got the right cover?

Tradespeople and contractors need an appropriate level of income protection cover to protect them from loss of income due to illness or injury. Often it is required for such worker...

Read More

Mining Occupations

Specialised insurance packages...

Here at LFS we have access to numerous insurance companies that offer very competitive rates on all mining occupations – above and under ground.

We specialise in ...

Read More

Business Insurance

Is your business protected against the unexpected?

We specialise in giving advice to small – medium enterprises in relation to Business Protection Insurance. Our Business Protection Risk Packages can incl...

Read More

Life Insurance

Is your family protected?

Read More

Tradespeople/ Contractors

Have you got the right cover?

Read More

Mining Occupations

Is your business protected against the unexpected?

Read More

Business Insurance

Is your business protected against the unexpected?

Read More