Protect Your Loved Ones from the Unexpected with Life Insurance and Income Protection

What Types of Wealth Protection Insurance Do You Need?

If something happened to you or your spouse, and you were no longer able to provide for your family, how would you cope? Could you pay your mortgage, your business debts? Would your kids have a secure future?
Without a comprehensive insurance structure in place, the answer is usually no.
So what times of insurance should you consider to make sure your family is protected for any future unknowns? We recommend having the following insurance policies in place to receive complete peace of mind for you and your dependents.

Life Insurance

Life insurance provides a specified amount of funds to your beneficiaries in the event of your death, ensuring they are looked after and can maintain their lifestyle. There is flexibility in that a lump sum or equivalent instalments can be paid to the policy owner, nominated beneficiaries or to your estate.

TPD Insurance

TPD insurance provides a lump sum payment or equivalent instalments if you become permanently disabled through illness or injury. Generally, a permanent disability means you can’t work in your current occupation or job you’ve trained, studied or worked in. The funds can assist with ongoing medical expenses associated with the illness or injury and make sure the long-term goals you had for your family aren’t forgotten.

Trauma Insurance

Trauma insurance, also known as critical illness insurance, provides a lump sum payment or equivalent instalments if you’re diagnosed with a specific illness or injury covered by the policy (such as cancer, stroke, blindness, severe burns, loss of speech or deafness). The funds can be used to reduce debts, pay for medical expenses and fund your lifestyle while you’re on the road to recovery.

Income Protection Insurance

Income protection insurance is a way to protect your current income if you are unable to work due to illness or injury. This type of policy pays up to 75% of your gross annual income (including superannuation) in monthly amounts, to cover your day-to-day expenses until you’re able to work again.

Group Income Protection Insurance

In today’s complex legal environment, Group Income Protection Insurance (or Group Salary Continuance Insurance) is an essential risk mitigation strategy for employers. We provide you with expert advice to help you meet your legal obligations and reduce the chances of getting caught in legal quicksand.

Business Insurance

As business owners ourselves, we know how important it is to manage risk and reduce uncertainty. But when it comes to Business Insurance, there’s no one-size-fits-all approach. Our experts navigate this field alongside you to find the right solution that will protect you, your employees and your business.

It’s one less thing to think about when you’re going through a hard time.

Our Approach to Wealth Protection Insurance

We work closely with you to:

Identify the risks associated with your current lifestyle and policies
Calculate the appropriate protection required
Discuss the risks and asses your levels of comfort
Build an integrated insurance structure
Assess the most suitable ownership structure
Monitor your portfolio for changes in circumstances
Bedri is a consummate professional! Myself and my extended family have recently reviewed our personal protection and group policies, and it was quite complicated - with Bedri he made it so simple, and we all now feel we understand our protection. His structuring advice and knowledge of our situation allowed us to also save money on our premiums whilst increasing protection- he is a brilliant professional and I would highly recommend him.
Bedri’s personal insurance advice was excellent, we were completely confident that we were fully covered without having to pay for what we didn’t need. Also having had to make a claim, Bedri’s care and attention was amazing. He made the process pain free. I have recommended him to friends and family.
Eager to protect your family’s future?
Did you know?
BlueRock is a certified B Corp business.
Does that mean we didn’t make the ‘A-Team’? Far from it; landing a ‘B’ in this case is an affirmation of our commitment to being “a force for good” in the corporate arena.