Your mortgage and living expenses may see little cash left over to pay for the protection you may need and the peace of mind you desire.

Yet, insurances such as Term Life, Total and Permanent Disability and Income Protection can be purchased within your superannuation fund.

There are advantages and disadvantages to this. For example, when you purchase insurance through superannuation, the contributions that you make to pay the insurance premiums are generally tax deductible to the superannuation fund. If you are self employed, your contributions to your Super Fund are generally tax deductible. It can be cheaper after tax to insure through super, however, if you want to grow your superannuation balance, you may be better off purchasing insurance outside superannuation.

WE WILL EVALUATE YOUR PERSONAL SITUATION AND MAKE RECOMMENDATIONS BASED ON YOUR NEEDS

We will look at what is best for you:

• improve cash flow so there is no money coming out from your after-tax income
• tax deductability of premiums
• policies available within your superannuation fund
• superannuation fund conditions of release
• retirement goals
• improving your cash flow

WE CAN GIVE YOU PEACE OF MIND THAT YOU ARE PROTECTING YOUR LIFESTYLE TO MAXIMISE CURRENT CASH REQUIREMENTS AND RETIREMENT SAVINGS