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Insurance & Income Protection in Whitsundays

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Secure Your Future Today

If you suffer from a physical injury that prevents you from earning an income, is your lifestyle protected? At Eclipse Financial Planning in The Whitsundays, we offer a range of life insurance and income protection policies to financially secure you against death, disability and major illness. We also provide advice on estate planning. We’ll guide you through the process so you can approach a legal expert confidently and ensure your affairs are in order in the event of your passing. For more information on our life insurance and income protection policies, please don’t hesitate to speak to our caring team at Eclipse Financial Planning in the Gold Coast, South Brisbane, The Whitsundays including Airlie Beach, Proserpine and Bowen.

Income Protection

If you suffered an illness or injury at work or at home, and you’re unable to earn an income, do you have a plan in place to protect yourself or your family? Stay on top of your bills and expenses with income protection insurance from Eclipse Financial Planning. Income protection insurance can pay up to 75% of your pre-tax income in the event of an emergency. Whether you’re the breadwinner from your family or a sole income earner, income protection can help you manage your expenditures without stress so you can focus on recovery.

Help you and your family protect the lifestyle you’ve worked hard to maintain with income protection insurance. Our financial advisers will work with you to find an insurer and package to suit your age and occupation.

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Life Insurance

Dealing with grief is significantly compounded when there are still bills and expenses that need paying. If you pass away, don’t leave your family unprotected and speak to us about life insurance. Investing in life insurance can ensure your family is supported and receives a lump sum in the event of your passing.

We’ll sit down with you to tailor a life insurance solution that’s suited to you and your circumstances. Our financial advisers will take into account your family’s requirements, income and expenses to determine your level of cover that’s needed. We’ll compare and contrast different providers to find the right life insurance package for you.

TPD Cover

Total permanent disability (TPD) cover means you become ill or suffer an injury that results in a permanent disability, and you’re entitled to receive a lump sum payment. If you’re the breadwinner for your family, TPD can help ensure your financial security. It’s paramount to consider the costs if you were to become disabled and unable to work including you and your family’s living expenses, mortgage repayments, medical bills and your retirement.

At Eclipse Financial Planning, we offer a range of TPD cover packages to support you when you need it most. We’ll consult with you to find a suitable TPD cover deal that meets your budget and and compare different provides to find the right cover for you.

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Trauma & Critical Illness

Unexpected trauma or critical illness is difficult to manage, and recovery can take time. Significant illness or injury can also disrupt your finances and is an added stress you shouldn’t have to deal with while you focus on healing. Income protection is highly beneficial to supplementing a portion of your salary, however a lump sum payment is ideal for costly medical and rehabilitation expenses. 

Trauma and critical illness insurance cover a range of conditions include heart attack, cancer and strokes.There are a number of different policies and insurance available to you and you should take into consideration factors including your age, sex and occupation type. Our financial advisers will help you narrow down insurance types and companies to find a cover to suit you.

Child Trauma Cover

As a parent, if your child experiences a sudden illness the last thing you need to worry about is your finances. Child trauma cover provides you with a one-off lump sum payment. If you need to leave work for a period of time to care for your sick child, pay unexpected medical or rehabilitation bills, new treatments that may be expensive locally or internationally, child trauma cover can help lighten the financial pressure.

When tragedy occurs, it can be unexpected and emotionally and physically demanding. Insurance is available to you to help support you during these difficult times so you can focus on your family.

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Estate Planning

Feel peace of mind knowing that your assets go to your desired beneficiary in the event of your death with estate planning. An effective estate plan is put in place to adhere to your wishes and protect your interests of your beneficiaries after your passing. If you die without a valid will, your estate may be divided and distributed against your wishes and potentially incur liabilities for your loved ones.

Our financial advisers will guide you through the process of estate planning and explain the stages of organising a will, your superannuation, power of attorney, advanced health directives and executors. It’s our goal to help you gain an extensive understanding of estate planning so you can consult with a legal expert confidently and ensure your estate and loved ones are protected after your death.

Business Keyperson Insurance

Protect your business and most importantly, your employees with business keyperson insurance. If a critical person in your business falls seriously ill, becomes permanently disabled or dies, you’ll receive a lump sum payment. Whether you manage a small or large-scale business, there are certain staff members that are central to the company’s operations. Investing in business keyperson insurance can assist to minimise the effects incurred by your partner or keyperson’s absence, mainly profitability. How would you go being in business with your partners spouse or extended family? Buy/ Sell insurance provides funds to buy them out and take control if your business partner dies or is disabled.

Business keyperson insurance policies are priced depending on a range of factors. Providers will take into account the key person’s medical history, age and occupation as well as the type and level of cover you’re interested in. Our financial advisers at Eclipse Financial Planning will sit with you to determine the type of insurance you need to cover the costs required to keep your business running. To book a consultation and speak with a financial adviser in the Gold Coast , South Brisbane, The Whitsundays including Airlie Beach, Proserpine and Bowen call us at Eclipse Financial Planning today.

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