Lifestyle Insurance Specialists

16/10/2021

Restaurant, Bar & Cabins

07/05/2020

So true in so many cases!!

16/04/2020

Now that a lot of us have time to stop putting this off, put it to the top of your list. We are still open and it can all be done over the phone and internet.

25/02/2020

Don't wait till its too late, get in touch for a free no obligation quote.

10/12/2019

Merry Christmas and a happy and safe new year.

09/10/2019

Why Trauma Insurance Is So Important?
You might think "It will never happen to me. I don't need Trauma Insurance". But you might reconsider after reading these facts.

Important facts:
3 out of 4 Australians will be diagnosed with a serious illness during their working life.

1 in 3 men and 1 in 4 women will suffer from cancer in their lifetime. Half of those will live more than 5 years after diagnosis.

Women have a one in four chance of suffering a critical illness between the ages of 30 and 64, as well as a one in four chance of developing cancer before age 75.

Private health insurance:
By having private health insurance you may think that it is enough protection in case you were to suffer a serious illness or injury. But private health insurance only covers hospital stays and some medical or extra expenses.

Private health insurance does not cover lost wages, rehabilitation, or alterations to your home or long term nursing care.

Trauma Insurance
Trauma insurance, also known as critical insurance, pays a lump sum should you be diagnosed with a specified illness. Trauma insurance pays a lump sum on diagnosis of a traumatic event. Trauma insurance is for people aged between 16 and 64 and covers you 24 hours a day, 7 days a week anywhere in the world.

Each insurance company differs, but most policies can cover you for a variety of crisis such as:

Cancer
By-Pass Surgery Coronary
Heart Attack
Stroke
HIV
Benign Tumours
Cardiomyopathy
Kidney failure
Alzheimers
Dementia
Hearing Loss
Loss of limbs
Loss of speech
Organ transplant
Major Head Trauma
Multiple Sclerosis
Rheumatoid Arthritis
Severe Burns
Muscular Dystrophy
Motor Neurone Disease.
What your trauma insurance can be used for
The cost associated with a serious illness or injury can quickly add up. You can use the trauma cover lump sum payment for all sorts of expenses including:

Mortgage and other debts.
Family responsibilities e.g. home help, hiring a nanny or school fees.
A partner's lost income while providing care.
Travel and accommodation costs while having treatment.
Nursing care.
Specialist or medical treatment.
Home or car modifications
Diagnoses

10/06/2019

Whilst it may not impact you specifically, we wish to draw your attention to very important legislation changes that could affect any personal insurance you hold through superannuation.

If you currently have a superannuation account which has not received a contribution or rollover in the last 16 months, then any insurances held in that fund will be cancelled from 1 July 2019. You may have more than one fund from different employers – for any of those which are dormant and hold insurance, this cover may be cancelled.

If you have any doubts at all about your personal circumstances, I am here to assist - please email me if you have concerns

I would encourage you to pass this on to friends and family, as very little is being communicated to the general public and the ramifications for those impacted could be disastrous.

02/05/2019

If people have concerns about Insurance Companies not paying claims please watch this video

The story of Scott and Kylie a Life Insurance Specialists client.

01/05/2019

GO FUND ME IS NOT A LIFE INSURANCE POLICY

First, let me say that I really hope to not be insensitive in this post. I'm writing this because I care. But if you don't have life insurance, or Critical Illness/Income Protection cover in place for yourself or your loved ones how can you or the ones left behind afford funeral/medical expenses? I've recently had several people I knew well have to do some type of internet crowdfunding to pay for their loved one's expenses, and over the past couple of years, I've seen numerous campaigns on Facebook helping to raise funds for a deceased or critically ill loved one. Many who have set up these campaigns know it's hard to ask for this money; some even have stated that. Maybe you just never got around to it. Maybe you didn't think you could afford life insurance or perhaps you thought you wouldn’t get ill or die suddenly! Hopefully, I can challenge that mindset today and help you understand there's most likely an option for you. Please make the call and don’t put it off anymore,