Need Personal Insurance On The Gold Coast?
Life doesn’t always go to plan. One day you’re trucking along, then next, the unexpected occurs. Do you have the right insurances in place 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.
Personal insurance, such as Life Insurance, Total and Permanent Disability (TPD), Income Protection and Trauma Cover, is an essential element of any well-planned financial strategy. It’s the insurance that protects you and your loved ones when life throws you a curve-ball.
In the event of an illness, accident, disability, or death, are you covered? Will your family be taken care of? These pressing questions are difficult to think about, but having insurances in place is just an important as your wealth accumulation. For the small cost of insurance, why wouldn’t you protect the future lifestyle you’ve been working so hard towards?
Are you prepared for the unexpected?
Centaur Financial Services; Your Gold Coast Insurance Experts
Your financial security matters. To protect your financial future, you must consider the options available to help meet your insurance needs.
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 life insurance experts on the Gold Coast, Centaur Financial Services.
Types of Personal Insurance
Personal insurance comes in many forms, but the main types of insurance are Life Insurance, Total and Permanent Disability (TPD), Income Protection and Trauma Cover.
Life 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.
Total and Permanent Disability (TPD) Cover
Have you considered what would happen if you were unable to provide for your family? If you were unable to 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 out as a lump sum payment to support you and your family, and pay for 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.
Income Protection Insurance
You may be riding high right now, but what happens if tomorrow, everything changes. It’s an uncertain world we live in, and your circumstances can change in the blink of an eye. If tomorrow you were unable to work, 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 Incomprotection specialists, Centaur Financial Services.
Trauma Insurance
The year 2020 has shown the world that you can go from being fit as a fiddle to 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 serious injury?
Trauma insurance covers critical illness such as cancer, a major head injury, heart condition, or stroke. It is paid out as a lump sum payment 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 that specialises in trauma insurance on the Gold Coast, Centaur Financial Services.
The Centaur Difference
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 is 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.
Frequently Asked Questions About Personal Insurance
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What are the 4 types of 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.
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What is the meaning of personal insurance?
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.
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How much does life insurance cost per month on average?
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 40’s would pay $64.22 per month on average ($118.08 per month for smokers), and a non-smoking man in his 40’s would pay $ $79.92 per month on average ($163.54 per month for smokers).
Average Monthly Direct Life Insurance Premiums
Female Male Age Non-smoker Smoker Non-smoker 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. -
Who can give superannuation advice?
Superannuation advice is given by financial advisors such as Centaur Financial Services. To provide superannuation advice, you must hold an Australian Securities and Investments Commission (ASIC) issued Financial Services Licence, or be an authorised representative of a licence holder.
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When should I get life insurance?
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 make sure it is it looked after in the event of your death. Whether you’re a young single person, young couple, mature couple, or self-employed, regardless of your life stage, you will find life insurance benefits.
Contact the life insurance experts on the Gold Coast, Centaur Financial Services for a Complimentary quote.
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What are the personal benefits of insurance?
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 be beneficial to your current stage in life by arranging a Complimentary meeting with Centaur Financial Service.
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Need Personal Insurance on the Gold Coast?
Turn to Centaur Financial Services, the Life Insurance & Income Protection specialists.
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