Life doesn’t always go to plan. One day you’re trucking along, and then next, the unexpected occurs. Do you have the right insurance to protect what matters the most? There’s so much focus on home and car insurance that we often lose sight of the most important insurance; personal insurance.

Protect your family & future

Need Personal Insurance On The Gold Coast?

Centaur Financial Services is your Gold Coast life insurance partner. Our comprehensive knowledge of current life insurance products means we can recommend the best possible cover to meet your insurance needs and provide you with the peace of mind you’re seeking.

Contact the Gold Coast’s personal insurance, Centaur Financial Services.

At Centaur Financial Services, our approach to insurance is centred around your unique circumstances and needs. We go the extra mile to review your situation thoroughly, ensuring we find the right policy at the most competitive price. Our dedicated team takes the time to explain the coverage details, including what’s included and excluded in the policy, so you have a clear understanding of your protection.

We understand that transparency is key when it comes to insurance. That’s why we provide comprehensive information on premiums, offering insights into how they may evolve. Additionally, our commitment to your long-term satisfaction extends to complimentary annual reviews, ensuring your policy remains aligned with any changes in your circumstances.

We recognise that navigating the claims process can be overwhelming. That’s why we offer unwavering support and assistance to all our clients. Rest assured, our experienced team will guide you through the entire claims journey, making it as seamless as possible.

With Centaur Financial Services, you can trust that our approach to insurance is rooted in delivering tailored solutions, expert guidance, and ongoing support to protect what matters most to you.

At Centaur Financial Services, we’re just as focused on protecting your wealth as we are building your wealth. We consider Risk Reduction as one of the fundamental elements of success, and personal insurance can play a pivotal role in reducing risk. It’s not about selling you life insurance; it’s about finding you the best cover to reduce risk and provide financial security.

If you’re not sure whether you need Life Insurance, Total and Permanent Disability (TPD), Income Protection or Trauma Cover, then give Centaur Financial Services Gold Coast personal insurance experts a call. We recommend you take the time to sit with our friendly team to discuss what personal insurance is right for you. Only once you secure your financial future can you feel comfortable knowing your family and lifestyle are protected if the unexpected occurs.

Our Gold Coast insurance advisors approach personal insurance not as a product but as a critical component of your greater financial strategy. We like to say we don’t ‘sell’ personal insurance; we broker peace of mind for where you need it the most.

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personal insurance gold coast
gold coast personal insurance

Safeguard Your Financial Future

Centaur Financial Services’ Comprehensive Insurance Solutions

At Centaur Financial Services, we understand the importance of your financial security. That’s why we offer a range of comprehensive insurance options to protect your future. Personal insurance, including Life Insurance, Total and Permanent Disability (TPD), Income Protection, and Trauma Cover, is critical to our well-rounded financial strategies. It provides the necessary coverage to shield you and your loved ones when life throws unexpected challenges.

Insurance is just as crucial as wealth accumulation when securing your future lifestyle. With the affordable cost of insurance, why wouldn’t you take the necessary steps to protect the future you’ve been diligently working towards?

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Safeguarding What Matters Most

Comprehensive Personal Insurance Solutions

At Centaur Financial Services, we understand the importance of personal insurance in safeguarding your financial well-being and providing peace of mind. Our comprehensive personal insurance options include Life Insurance, Total and Permanent Disability (TPD) Cover, Income Protection Insurance, and Trauma Insurance.

Protecting your family’s finances is paramount. Ensuring your family will be taken care of in the event of your death is one of the essential objectives in ones living life. By investing in life insurance, you’re ensuring this objective is met.

Life insurance is paid out as a lump sum payment to support your family after your passing. It can help with income security, family security, mortgage protection, debt protection, school fees, household bills, or to maintain your family’s lifestyle.

“Don’t think it won’t happen to you. Instead, think what would happen if it happened to you?”

Find out if you need life insurance by Gold Coast Life Insurance experts, Centaur Financial Services, today.

Have you considered what would happen if you could not provide for your family? If you could not perform basic daily tasks due to an injury or work-related illness? Would one income be enough to support your family? Would you be able to afford round-the-clock care?

Total and Permanent Disability (TPD) cover provides protection and peace of mind if you were ever to become totally and permanently disabled – think of it as supplementing your income protection. TPD is paid as a lump sum to support you and your family and pay medical and rehabilitation costs.

Every week, 10 – 15 Australians sustain a severe brain injury, and five Australians sustain a spinal cord injury.

Find out if you need TPD cover by contacting Gold Coast TPD cover experts, Centaur Financial Services today.

You may be riding high right now, but what happens if tomorrow? Everything changes. It’s an uncertain world, and your circumstances can change in the blink of an eye. If you couldn’t’ work tomorrow, would you be able to pay the bills? Would you be able to take time off work to recover?

Income protection insurance provides security in the event of a partial or total disability. It pays out as much as 85% of your pre-tax income over a specified time to help offset your reduced income.

Find out if you need income protection by contacting Gold Coast income protection specialists, Centaur Financial Services.

The year 2020 showed the world that you can go from being fit as a fiddle to being in dire need of medical care in no time at all. Have you considered what would happen to you or your family if you were to suffer from a critical illness or severe injury?

Trauma insurance covers critical illnesses such as cancer, a significant head injury, a heart condition, or a stroke. It is paid out as a lump sum to support you and your family and pay for medical and rehabilitation costs.

The Cancer Council states an estimated 150,000 new cases of cancer will be diagnosed in Australia this year.

Find out if you need trauma insurance by contacting the team specialising in trauma insurance on the Gold Coast, Centaur Financial Services.

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Frequently Asked Questions About Personal Insurance

There are four main types of personal insurance; Life Insurance, Total and Permanent Disability (TPD), Income Protection, and Trauma Insurance. Life insurance provides cover in the event of your death, TPD insurance provides cover if you become totally and permanently disabled, income protection provides cover if you are partially or totally disabled, and trauma insurance provides cover if you have a critical illness or serious injuries, such as cancer or a heart attack.

The meaning of personal insurance is to protect one’s personal life against the risk of illness, injury, or death through means of financial support. The value of the provided financial support depends on the type of insurance and the level of cover.

The average cost per month for life insurance will differ based on age, gender, and whether you’re a non-smoker or smoker.

Canstar reports, based on a $500,000 benefit payout, a non-smoking woman in her 40s would pay $64.22 per month on average ($118.08 per month for smokers), and a non-smoking man in his 40s would pay $ $79.92 per month on average ($163.54 per month for smokers).

$52.39

AgeFemale Non-smokerFemale SmokerMale Non-smokerMale Smoker
20s$32.71$52.39$48.53$77.69
30s$35.49$59.09$46.35$84.30
40s$64.22$118.08$79.92$163.54
Early 50s$123.10$224.40$164.84$330.82
Late 50s$204.31$355.57$302.45$579.45
Source: www.canstar.com.au. Table prepared 27/05/2020. Data from the Canstar 2020 Direct Life Insurance Star Ratings (May 2020). Monthly premiums based on $500,000 of cover.

The best time to invest in life insurance is when you face one of life’s significant events; marriage or divorce, welcoming a baby, buying a home, or an illness or trauma.

When you have more to lose, such as family and accumulated wealth, you want to ensure it is looked after in the event of your death. Whether you’re a young single person, a young couple, a mature couple, or self-employed, you will find life insurance benefits regardless of your life stage.

Contact the life insurance experts on the Gold Coast, Centaur Financial Services, for a complimentary quote.

Insurance is beneficial in nature; it’s what you pay a premium for. On a personal level, insurance offers many benefits, not only to you but to your loved ones also.

Some of the most significant personal benefits of insurance are:

  • Protection for you and your family
  • Financial security when you need it the most
  • Peace of mind if the unexpected occurs
  • A lasting legacy for your children

Find out how personal insurance can benefit your current stage in life by arranging a complimentary meeting with Centaur Financial Service.

Are you ready to protect what matters most?

Don’t leave your personal insurance to chance. Safeguard your family’s well-being and secure your financial future by choosing the right personal insurance solutions tailored to your needs. Contact us at Centaur Financial Services to schedule a consultation and discover how our expertise can help you navigate the complexities of personal insurance with confidence and peace of mind.

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