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Wealth Protection

Protecting your Family

Life is full of surprises -– both good and bad. Insurance provides you with the ability to manage the financial and emotional impact of some of the more drastic surprises that can happen.

Insurance will never compensate for the loss of a loved one, or replace their role in the family, but it can help reduce the financial burden by providing the capital to ensure you and your family have choices.

Insurance is particularly important if you have a mortgage or other debt and family to support. It’s important to ensure that in the event of the worst happening, your family will be provided for.

Leaving Your Legacy

Estate planning gives you peace of mind that your affairs will be in order if you die unexpectedly or become unable to manage your affairs.

The structure of an estate plan will vary according to your personal circumstances, but every estate plan has the same goal – to ensure your assets are managed and transferred to your beneficiaries according to your wishes in the most financially efficient and tax effective way.

Estate planning will:

  • provide for and protect loved ones with specific needs, including children
  • ensure your children’s inheritance receives increased protection if a relationship breaks down
  • ensure you receive professional advice on how to structure your assets to gain available tax advantages
  • ensure your wishes are recorded in legally binding documents, free from ambiguity; and
  • provide you with peace of mind knowing, should you die or be unable to legally manage your affairs, that they will be managed by someone you trust.

Dying without a legally valid Will, called ‘dying intestate’, can be costly and create added stress for loved ones at an already difficult time. Certain life events, such as marriage, divorce or the birth of a child, can also trigger the need for estate planning advice or a review of your existing plan.

Speak with an adviser

For more information about insurance or estate planning,