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Life Insurance

Protecting your Lifestyle

How to protect yourself from devastating financial consequences?

 

How to protect yourself from devastating financial consequences?

One of the biggest financial mistakes people make is failing to properly insure themselves.

Being underinsured can have devastating financial consequences.

What if you, or your partner, were to suddenly be out of work (due to illness or disability) or unexpectedly pass away? How would you pay your mortgage, your children's school fees and your day-to-day living expenses?

With the right insurance, you and your family can stay on track even under very difficult circumstances. But if you're underinsured, your finances might never recover.

That's why it's vital to have a proper insurance plan in place. Secured Wealth can advise you on what insurances and how much cover you need based on your unique circumstances.

 

When should you take out insurance?

For most people, the right time to take out insurance is right now. Illness, disability and death can occur at any time.

We’ve seen many clients over the years who planned to get insurance in the future ... only for disaster to strike before they took action. If you've bought a property or started a family, it's imperative you consider protecting yourself right now.

The other advantage of taking out insurance sooner rather than later is that more options will be on the table.

When should you take out insurance?

How much cover do you need?

 

How much cover do you need?

The right amount of insurance cover can vary significantly from person to person, depending on their finances, goals and family set-up. That's why it's vital your insurance plan is tailored specifically to your needs.

When you get insurance online, it's general in nature, which means you run the serious risk of taking out the wrong policies or securing the wrong level of cover.

Being overinsured is a waste of money; being underinsured is very risky.

Secured Wealth will take the time to understand your unique circumstances and then recommend an insurance plan designed just for you. We'll explain why we believe a particular policy or level of cover is right for you, so you have all the information you need to make an informed decision.

 

What types of insurance should you consider?

It’s said that “you only need cover if you love someone or owe someone”. In other words, we recommend you consider insurance if you have kids or a mortgage.

Life cover

  • Your family receives a lump-sum pay-out when you die.
  • This money can be used to repay debt and cover future costs.

Total permanent disability cover (TPD cover)

  • You receive a lump-sum pay-out if you become permanently disabled.
  • You and your family can use this money to fund your medical expenses, repay debt and cover future costs.

Income protection

  • You receive up to 70% of your income each month if you can’t work due to sickness or injury.
  • You and your family can use this money to repay debt and cover future costs.

Trauma cover

  • You receive a lump-sum payout if you experience a serious illness, such as cancer, stroke or heart attack.
  • You and your family can use this money to fund your medical expenses, repay debt and cover future costs.

What types of insurance should you consider?

What can you do if your premiums have been rising?

 

What can you do if your premiums have been rising?

Over the last few years insurance premiums have been rising dramatically. At Secured Wealth we can help. There are ways to reduce your costs while maintaining a good level of protection. We can also compare the market for you, to see if there are better options available.

Please don't cancel your insurance until you've spoken to us, because some benefits are irreplaceable and we want to make sure you have all the facts before you make a decision.

 

Will we help you if you need to claim?

Yes.

Secured Wealth can help you create a strong insurance plan – but where we really excel is helping you claim.

There are two reasons we’re so good at ensuring our clients get paid.

First, we have experience working for the actual insurers who assess claims on the specific policies we recommend to our clients. Also, we have ongoing relationships with claims assessors across a range of insurance companies, so we often get claims assessed on the same day they’re submitted.

Second, we understand that when someone needs to claim, it’s generally at a very difficult moment in their life. So, we take as much of that workload onto our shoulders as possible.

If you ever need to make a claim, please contact Secured Wealth immediately so we can solve the problem. We will sit with you (or your family) to fill out the claims form quickly and accurately. With medical claims, we will also meet your doctor if needed, to get the correct support for your claim and ensure a fast payment.

If you know someone who needs to claim but isn’t a Secured Wealth client, please encourage them to contact us, as we would love to help them too.

Secured Wealth has had an enormous impact over the years helping clients with claims. We’re proud they’ve achieved much, much better results than if they’d dealt directly with their insurer.

Will we help you if you need to claim?

How Secured Wealth helped a family deal in their darkest hour

How Secured Wealth helped a family deal in their darkest hour.

 

How Secured Wealth helped a family deal in their darkest hour.

Tragedy has a way of striking suddenly – like when a 37-year-old client, who was both a wife and a mother of two young children, was suddenly diagnosed with an aggressive, stage four breast cancer that was, unfortunately, terminal.

Secured Wealth quickly met with the insurer to discuss what information they needed to process a claim; then met with the client's oncologist to complete the claims forms; and then met with her GP to get the secondary sign-off.

The claim was then lodged with the insurer and paid within one week.

Because Secured Wealth managed the insurance claim, the husband was able to concentrate on his wife's treatment and looking after their children. It also meant the family had funds to pay for their medical bills and pay down debts.

This was a heart-breaking episode, but there was some consolation for the family to know they were properly insured. Secured Wealth was honoured to provide assistance at such a difficult moment.