Disclaimer re Calculator PDFs

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Disclaimer re Calculator PDFs"

Transcription

1 Disclaimer re Calculator PDFs These file notes must NOT be provided to clients under any circumstances. These files notes have been prepared by the Financial Adviser for the sole purpose of producing file notes as an internal record of their discussion with their client. It is general information only and does not constitute financial advice and does not take the place of professional advice provided by the Financial Adviser as an Australian Financial Services Licensee. To the maximum extent permitted by law, Astute Wealth Advice Pty Ltd will not be liable in any way for any loss or damage suffered by the Financial Adviser and/ or its client through the incorrect use of this information.

2 FACTSHEET Personal Details Client Partner Name Bob Betty Age Number of Children 3 Age of Child 1 12 Age of Child 2 8 Age of Child 3 3 Assets & Liabilities Lifestyle Properties Investment Properties Shares & Managed Funds Cash Other Assets Superannuation Balance - Bob Assets Liabilities $1,, Home Mortgage $, Investment Loans (Mortgage) $, Margin Loan $5, Personal Loans $ Credit Cards $19, Other Debt $5, $, $1, $3, $2, $ Superannuation Balance - Betty $11, Total Liabilities $1,5, Total Assets $2,1, Income & Expenses Client Partner Employment Status Base Salary Full-Time $, Part-Time $, - Salary Package Items $2, - SG Contributions $, - Salary Sacrifice Contributions $ $ $, $ Bonus Net rental & investment income $5, $-, $ $ Total $229, $, Full-time expected salary $8,

3 Life Cover Initial Expenses Initial Expenses Debt Bob dies Betty dies Amount Bobdies Bettydies Would you like to cover your final expenses? Final Expenses 2, 2, Home Mortgage 5, Would you like to reduce / remove your debts? Would you like to leave any bequests? Bequests Estate Equalisation 5, Terminally Ill 3, 2, 3, Investment Loans (Mortgage), Margin Loan 1, Personal Loans 3, Would you like to have funds to equalise your estate? Credit Cards 2, Would you like to have additional funds if terminally ill? Other Debt Children's Education Cashflow Expenses Would you like to provide for your children's education? Both Education Costs School Fee Child 1 Child 2 Child 3 Pre School / Child Care, 2 Primary School 3, 7 Would you like to provide funds to meet lifestyle expectations? High School 8, University 12, Home help Domestic Assistance Both Lifestyle Expenses Preretirement Retirement Age 5 Lifestyle Expenses Postretirement Assumptions Investment Returns 7% Inflation 3% Education Indexation 7%, 5, Employment Capacity Lifestyle Expenses Bob survives Betty survives When would you look return to work? (years) 1 At what employment capacity? 1% Will your employment arrangements change in the future When will this change At what employment capacity? 1% Home Help Domestic Assistance Amount required Start year Years required 9 % Bob survives 3, 1, 9 9 Betty survives,

4 Permanent Disablement Initial Expenses Would you like to cover your medical costs? Initial Expenses Bob TPD Betty TPD Medical Expenses 125, 125, Debt Amount TPD TPD Home Mortgage 5, Would you like to reduce / remove your debts? Renovations 5, 5, Investment Loans (Mortgage), Would you like to renovate your home or move? Margin Loan 1, Personal Loans 3, Credit Cards 2, Cashflow Expenses Other Debt Would you like to provide for your children's education Both Children's Education Would you like to provide funds to meet lifestyle expectations? Education Costs School Fee Child 1 Child 2 Child 3 Pre School / Child Care, 2 Home help Primary School 3, 7 Domestic Assistance Both High School 8, University 12, Employment Capacity Lifestyle Expenses Bob in good health Betty in good health When would you look return to work? (years) 1 Never At what employment capacity? 1% % Will your employment arrangements change in the future Home Help Domestic Assistance Amount required Start year Years required Bob in good health 25, Betty in good health,

5 Temporary Disablement In the event of E:/Inetpub/wwwroot/w3ken5/CMSPages/temporary disablement would you want funds to: Salary Items to include Bob Betty Insure your cashflow to meet lifestyle & medical exp Base Salary, Salary Package Items 2,, Bonus 5, SG Contributions,, Total income to insure,, Temporary Disablement - Income protection options % of gross salary 75% waiting period 1 Month benefit period Age 5 75% 1 Month Age 5 Annual benefit amount 123,75 9,5 Tax payable 33,735 7,35 Net Income 9,1 1,8 Total payments over life of the policy 1,72, ,95 Total payments over life of the policy (indexed) 2,253, 1,8,1

6 Critical illness In the event of critical illness would you want funds to: Assist in medical costs & rehabilitation Bob Betty Assist in medical costs & rehabilitation 125, 125, Reduce or remove debt 5, 5, Reduce or remove debt Take a voluntary period off work to recover Lifestyle Expenses 8, 8, Educations Costs 2, 2, Holiday 3, 3, Other

7 File te Summary Discussion Points File te Summary Life Cover Bob Betty Bob Betty Life 1,531, 7,29 Initial Expenses 1, 7, Ownership Super Super Premiums Stepped Stepped Permanent Disablement Occupation Any Any Ownership Super Super Premiums Stepped Stepped Temporary Disablement Debt - Insured 1,5, 1,5, Debt - Uninsured Lifestyle Expenses- Pre-retirement 718,57 9, Lifestyle Expenses- Post-retirement 38,17 235,29 Education Expenses 395, 395, Less Saleable Assets 8, 8, Less Superannuation 3, 3, Policy Option Compre Compre Ownership Self Self Premiums Stepped Stepped Policy Type Agreed V Agreed V Accident & illness Policy Type Compre Compre Premiums Stepped Stepped Permanent Disablement 582,5 9,81 Initial Expenses 175, 175, Debt - Insured 1,5, 1,5, Debt - Uninsured Lifestyle Expenses- Pre-retirement 1,112,85 85, Lifestyle Expenses- Post-retirement 12,57 235,29 Education Expenses 395, 395, Less Value of Income Protection Policy? 1,3,2 8,59 Less Saleable Assets 8, 8, Less Superannuation 3, 3, Temporary Disablement (p.a.) 123,75 9,5 Waiting Period 1 Month 1 Month Benefit Period Age 5 Age 5 Accident & Illness 39, 39, Medical Costs 125, 125, Reduce or Remove Debt 5, 5, Voluntary Recovery 13, 13,

8

Understanding insurance

Understanding insurance Version 4.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to. Important information This document has been published

More information

Understanding insurance Version 5.0

Understanding insurance Version 5.0 Understanding insurance Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. This document

More information

Lifestyle Assessment and Financial Overview (Part A)

Lifestyle Assessment and Financial Overview (Part A) Achieving your lifestyle goals Lifestyle Assessment and Financial Overview (Part A) Thank you in advance for taking the time to provide the information requested overleaf. We believe that the creation,

More information

Insurance Personal Questionnaire

Insurance Personal Questionnaire Insurance Personal Questionnaire Name of Client 1: Name of Client 2: This section is completed by your Adviser Adviser Name: Adviser Code: Interview Date: FSG Version Number Provided: Adviser Profile Number

More information

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid.

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. WHAT IS INSURANCE? It s simply the transference of a risk from yourself to the Insurer. By paying the

More information

Holding insurance inside or outside super taxation issues

Holding insurance inside or outside super taxation issues Holding insurance inside or outside super taxation issues In this article, Midwinter s General Manager of Strategy and Technical Services, Matthew Esler, explores the tax opportunities that exist around

More information

Financial Planning 101

Financial Planning 101 Hughes Forbes Financial Services AFSL 323719 Financial Planning 101 P R E S E N T E D BY F A B I A N P O S T I G L I O N I M a y 2 0 1 2 Disclaimer 2 This material is not intended to constitute personal

More information

Financial Planning Questionnaire

Financial Planning Questionnaire Financial Planning Questionnaire Issue Number 3 June 2014 Prepared for Adviser Name Contents Personal Details 3 Lifestyle and Financial Goals 5 Investment Preferences 7 Income and Expenses 8 Social Security

More information

Insurance through your super

Insurance through your super Insurance through your super Review my cover Save on insurance through Super $ TPD insurance income protection Death We insure many aspects of our lives: house, car, health, life, even pets. Of all of

More information

Simplifying Statements of Advice. Life Risk example SOA. 9 December 2008

Simplifying Statements of Advice. Life Risk example SOA. 9 December 2008 Simplifying Statements of Advice Life Risk example SOA 9 December 2008 Life Risk Statement of Advice for Frank and Nancy Stoop, Development of the Life Risk example SOA Financial planners, politicians,

More information

Understanding Insurance

Understanding Insurance Version 4.0 Preparation Date: 2 November 2009 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. Important

More information

Insurance in Prime Super

Insurance in Prime Super Insurance in Prime Super September 2015 This fact sheet outlines why insurance is important and the benefits of having insurance through your super account. Why is insurance so important? Insurance is

More information

A Guide to Managing Personal Risk

A Guide to Managing Personal Risk A Guide to Managing Personal Risk 1 A Guide to Managing Personal Risk Personal Risk is about more than just the Life Cover/ TPD attached to your super policy which is paid out on the event of your death.

More information

Understanding Superannuation

Understanding Superannuation Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation

More information

SMSF insurance options and strategies

SMSF insurance options and strategies SMSF insurance options and strategies Agenda Will be looking at: Requirement to consider insurance Why hold insurance through an SMSF? Life Insurance Permanent Incapacity Temporary Incapacity. Requirement

More information

Estate Planning Fact Finder

Estate Planning Fact Finder Estate Planning Fact Finder Contents Page Family Information 1 Financial and Estate Planning Objectives 1 Present Estate Plan 2 Post-Death Monthly Income Objectives 2 Retirement Plans 2 Annual Income 3

More information

Insurance delivering peace of mind. Your guide to insurance at Plum

Insurance delivering peace of mind. Your guide to insurance at Plum Insurance delivering peace of mind Your guide to insurance at Plum Contents Why insurance matters 2 Types of cover 4 What s right for me? 7 1 Safeguarding you and your family Life is unpredictable. From

More information

Life Insurance where do I start?

Life Insurance where do I start? Page 1 Life Insurance where do I start? Life Insurance provides financial protection for your beneficiaries should you die or be diagnosed with a terminal illness. It provides your beneficiaries with a

More information

Lifestyle Assessment and Financial Overview (Part A)

Lifestyle Assessment and Financial Overview (Part A) Achieving your lifestyle goals Lifestyle Assessment and Financial Overview (Part A) Thank you in advance for taking the time to provide the information requested overleaf. We believe that the creation,

More information

Your best back-up tool is insurance.

Your best back-up tool is insurance. Your best back-up tool is insurance. Insurance for tradespeople Presented by ACF Planning PTY LTD ABN 70154714119 as Authorised Representative No 415700 for Australian Capital Financial Planning ABN 34

More information

Income Protection. The Income Protection Market - Opportunity? Karen Gallagher Business Development Manager

Income Protection. The Income Protection Market - Opportunity? Karen Gallagher Business Development Manager Karen Gallagher Business Development Manager The Market - Opportunity? Only 12% to 15% of the working population have cover Majority of people in Ireland are still in employment Current consumer sentiment

More information

Income Protection. Karen Gallagher Business Development Manager

Income Protection. Karen Gallagher Business Development Manager Karen Gallagher Business Development Manager THE NEED FOR INCOME PROTECTION Worker s confusion over sick pay 30% of workers believe their employer will provide sick pay indefinitely Over- optimism re:

More information

Estate Planning Fact Finder

Estate Planning Fact Finder Estate Planning Fact Finder Prepared for: Prepared by: Date: Contents Family Information Financial and Estate Planning Objectives Current Estate Plan Post-Death Monthly Income Objectives Retirement Plans

More information

are you financially well organised? Risk Plan your family s finanical security www.financiallywellorganised.com info@fwo.net.au

are you financially well organised? Risk Plan your family s finanical security www.financiallywellorganised.com info@fwo.net.au are you financially well organised? Risk Plan your family s finanical security info@fwo.net.au Your family s financial security... If you were to pass away, would your family s financial security be assured?

More information

The benefits of insuring through super. Macquarie Life

The benefits of insuring through super. Macquarie Life The benefits of insuring through super Macquarie Life While your clients are accumulating wealth, they also need to ensure adequate insurance cover is in place so they and their families are looked after

More information

Smart strategies for your super

Smart strategies for your super Smart strategies for your super 2010 Make your super count Superannuation is still one of the best ways to accumulate wealth and save for your retirement. The main reason, of course, is the favourable

More information

Super and your retirement. Page 1

Super and your retirement. Page 1 Super and your retirement Page 1 When we think about our retirement, we naturally imagine quite an ideal scenario. Living an active life in comfort and style. However the truth is, unless we make decisions

More information

Making the Most of Your Super

Making the Most of Your Super Making the Most of Your Super For many people, super is one of the best ways to accumulate wealth. The Government provides tax benefits to encourage people to fund their own retirement. With more Australians

More information

Understanding business insurance

Understanding business insurance Version 4.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to. Important information This document has been published

More information

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet

Personal insurance. What is insurance? What is personal insurance? Life insurance. Fact sheet Fact sheet Personal insurance Current as at 15 April 2012 What is insurance? Insurance is an agreement with an insurance company to pay you a sum of money if something is damaged or lost. It is form of

More information

Information for employers

Information for employers ₁ Issued July ₂₀₁₅ Information for employers AMP Flexible Super Guide Registered trademark of AMP Limited ABN 49 079 54 519. This guide provides information specifically for employers about AMP Flexible

More information

Insurance facts you should know

Insurance facts you should know Insurance facts you should know 2 Insurance facts you should know Contents 1 Even non-income earners need to be insured 2 Inside or Outside super? 3 Your insurance needs change on an annual basis 4 Different

More information

Superannuation. your obligation as an employer

Superannuation. your obligation as an employer Superannuation your obligation as an employer By Chris Campbell September 2014 Overview Superannuation is a significant cost of employing staff. This expense should be factored into your business plan

More information

protecting you and your family

protecting you and your family protecting you and your family Insurance guide Effective 1 July 2015 Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the MyLifeMyMoney Superannuation Fund ABN 50 237 896 957 mylifemyinsurance.com.au

More information

Financial Mappers Tutorial

Financial Mappers Tutorial Financial Mappers Tutorial How to Make a Debt Reduction Plan (Part A) (Age 35 45) How to Invest Without Debt (Part B) (Age 46 65) Disclosure Statement Financial Mappers is not intended to offer, or be

More information

Smart strategies for protecting you and your family

Smart strategies for protecting you and your family Smart strategies for protecting you and your family 2010 What are the facts? Did you know, 60% of Australian families with dependants will run out of money within 12 months if the main income earner dies

More information

At a glance. Income Protection. Protection to survive life s ups and downs.

At a glance. Income Protection. Protection to survive life s ups and downs. At a glance Protection to survive life s ups and downs. P r o t e c t i o n f i r s t Why Protection? With Protectionfirst you have peace of mind knowing that you and your family will be financially secure

More information

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance...

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance... Contents What is insurance?... 3 What types of insurance are there?... 4 Life insurance... 5 Total and Permanent Disability insurance... 6 Trauma insurance... 7 Income Protection insurance... 8 Insurance

More information

Important changes to insurance

Important changes to insurance Important changes to insurance Effective 1 July 2013 rest.com.au 1800 063 627 Contents Why have these changes been made? 2 New cover levels 2 New insurance costs 5 Access to higher cover under the new

More information

#ReachingMyGoals #StartsToday

#ReachingMyGoals #StartsToday About this report The purpose of this report is to provide you a framework for assessing your financial health and, where relevant, trigger further action on your part. We also include insights and practical

More information

How much insurance cover?

How much insurance cover? How much insurance cover? We consider life and TPD insurance coverage to be family protection it is about protecting your family. Life Insurance The purpose of life insurance is to provide your dependants

More information

we make it easy for you

we make it easy for you Insurance Guide PDS Supplement we make it easy for you Dated 10 November 2015 CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725 PDS Supplement The information

More information

Understanding Business Insurance

Understanding Business Insurance Version 4.0 Preparation Date: 2 November 2009 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to business insurance.

More information

Nestlé Australia Group Superannuation Fund

Nestlé Australia Group Superannuation Fund Nestlé Australia Group Superannuation Fund Information about your super Greg Hughes - Russell Investments What we are going to talk about today.. How to find out more about your super In particular: Your

More information

Insurance facts you should know

Insurance facts you should know Insurance facts you should know contents 1 Even 2 Inside 3 Your 4 tpd, non-income earners need to be insured or Outside super? insurance needs change on an annual basis Income Protection, Life Insurance

More information

Super Saver Induction Booklet

Super Saver Induction Booklet VISION SUPER YOUR INDUSTRY SUPER FUND Super Saver Induction Booklet December 2013 99 Low fees and great value for money 99 Automatic Income Protection and Death & Disability cover 99 No commissions or

More information

Protect your family. ClearView LifeSolutions. Life Cover, Trauma Cover and other tailored insurances

Protect your family. ClearView LifeSolutions. Life Cover, Trauma Cover and other tailored insurances Protect your family ClearView LifeSolutions Life Cover, Trauma Cover and other tailored insurances Insurances to meet your needs Defence Health has partnered with ClearView to provide an extensive range

More information

Terry White Chemists Superannuation a sub plan of FirstChoice Employer Super

Terry White Chemists Superannuation a sub plan of FirstChoice Employer Super July 2013 Page 1 Contents Category 1 - Permanent and Part Time staff working more than 15 hours per week Benefits in Brief...1 Getting Started...1 Your Investment Choices...2 Benefits of Insurance Cover...2

More information

Insurance and estate planning. A Financial Planning Technical Guide

Insurance and estate planning. A Financial Planning Technical Guide Insurance and estate planning A Financial Planning Technical Guide 2 Insurance and estate planning Introduction 4 General insurance 4 Private health insurance 4 Personal insurance 5 Business insurance

More information

RI Adelaide Pty Ltd t f Big Ave, Adelaide SA 5000 PO Box 12 Adelaide SA 5001

RI Adelaide Pty Ltd t f Big Ave, Adelaide SA 5000 PO Box 12 Adelaide SA 5001 RI Adelaide Pty Ltd t 08 8111 2222 f 08 8111 3333 4 Big Ave, Adelaide SA 5000 PO Box 12 Adelaide SA 5001 20 November 2010 Mr Jon-Pierre Smith 222 Ferguson Street Adelaide SA 5000 This sample was prepared

More information

Zurich Wealth Protection

Zurich Wealth Protection Issue Date: 21 December 2015 Zurich Wealth Protection Product Disclosure Statement including policy conditions This PDS, prepared on 25 November 2015, is provided in two parts: Part 1 Policy information

More information

Wealth protection for Australian Small and Medium Business Owners

Wealth protection for Australian Small and Medium Business Owners Wealth protection for Australian Small and Medium Business Owners Unexpected issues In business life, as in daily life, unexpected issues can and do occur. Business owners can be temporarily or permanently

More information

Insurance Guide Date of issue: 1 March 2015

Insurance Guide Date of issue: 1 March 2015 www.mtaasuper.com.au Phone: 1300 362 415 / Fax: 1300 365 142 Insurance Guide Date of issue: 1 March 2015 The information in this document forms part of the Product Disclosure Statement for MTAA Super dated

More information

Insurance facts you should know

Insurance facts you should know Insurance facts you should know 2 Insurance facts you should know Contents 1 Even non-income earners need to be insured 2 Inside or Outside super? 3 Your insurance needs change on an annual basis 4 Different

More information

RECENT INCOME TAX CHANGES

RECENT INCOME TAX CHANGES RECENT INCOME TAX CHANGES Increased Medicare Levy Low Income Thresholds The Medicare Levy low-income thresholds for families and dependent child-student component of the threshold have been changed to

More information

Life insurance and TPD cover. Protect their tomorrows

Life insurance and TPD cover. Protect their tomorrows Life insurance and TPD cover Protect their tomorrows Life cover and Total and Permanent Disablement (TPD) cover provide you with the comfort of knowing that a lump sum will be paid if you were to die,

More information

Understanding Insurance

Understanding Insurance Understanding Insurance Preparation Date: 26 November 2007 How to read this document Managing your finances to meet your day to day requirements as well as your long-term goals can be a complex task. There

More information

Super Guide: A Guide to Personal Risk Insurance for SMSF Trustees

Super Guide: A Guide to Personal Risk Insurance for SMSF Trustees Integrity SMSF Education Professionalism Super Guide: A Guide to Personal Risk Insurance for SMSF Trustees Web: www.thesmsfclub.com.au Ph: 1300 760 397 Email: admin@thesmsfclub.com.au Integrity SMSF Education

More information

Group Insurance. Product Disclosure Statement. pr tect. Depend on our people to. your people

Group Insurance. Product Disclosure Statement. pr tect. Depend on our people to. your people Group Insurance Product Disclosure Statement pr tect Depend on our people to your people This booklet contains Product Disclosure Statements for: Group Life Group Salary Continuance Issue number 9, 28

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

More information

The 4 Levels of Life Insurance Explained

The 4 Levels of Life Insurance Explained C JAMES MERCHAN BBUS (Banking & Finance), Ad.Dip Fin Planning [m] 0433 480 870 [w] 5976 3704 [e] jmerchan@mccombe.com.au THE IMPORTANCE OF LIFE INSURANCE Life Insurance is an integral component of wealth

More information

Insurance. Buy/sell insurance and policy ownership Due to the CGT implications for TPD and trauma insurance policy

Insurance. Buy/sell insurance and policy ownership Due to the CGT implications for TPD and trauma insurance policy 29 Alex Koodrin, National Technical Manager CommInsure Alex joined CommInsure s technical team in January 2006. Prior to that, he was a risk and investment BDM with CommInsure for 4 years. Alex started

More information

PROTECT YOUR INCOME IF YOU CAN T WORK

PROTECT YOUR INCOME IF YOU CAN T WORK This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 1 April 2014 PROTECT YOUR INCOME IF YOU CAN T WORK FACT SHEET 7 1 APRIL 2014 It s vital that you re prepared

More information

Recommended for review. Understanding Business Insurance. Understanding Investment Concepts

Recommended for review. Understanding Business Insurance. Understanding Investment Concepts Recommended for review o Understanding Business Insurance Understanding Investment Concepts Page 1 Understanding Business Insurance Version 1.0 Preparation Date: 1 st July 2009 This document has been published

More information

Business Succession Planning

Business Succession Planning Business Succession Planning Khanh-Vy Ho Regional Sales Manager Business People...are just people 2 When does a business partnership end? Death Disablement Illness Boredom Retirement Performance Loss of

More information

Tasmanian Accumulation Scheme Death and Incapacity Cover

Tasmanian Accumulation Scheme Death and Incapacity Cover Death and Incapacity Cover Retirement Benefits Fund Tasmanian Accumulation Scheme Death and Incapacity Cover Information in this brochure is current as at 18 January 2012 Retirement Benefits Fund Tasmanian

More information

Getting the best out of your superannuation savings

Getting the best out of your superannuation savings Booklet 1 Getting the best out of your superannuation savings MAStech Smart technical solutions made simple Contents Introduction 01 Introduction 03 Saving through super 08 How a super fund works 09 How

More information

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015 BT Business Super Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional Information

More information

Don t let your lifestyle disappear. Income Protection

Don t let your lifestyle disappear. Income Protection Don t let your lifestyle disappear. Income Protection What is your largest financial asset? Is it your home? Is it your business? Your income is an asset Annual salary of 60,000, aged 40 Earnings to retirement

More information

Changes to insurance in the IAG & NRMA Superannuation Plan

Changes to insurance in the IAG & NRMA Superannuation Plan Changes to insurance in the IAG & NRMA Superannuation Plan As an accumulation member of the IAG & NRMA Superannuation Plan, you and your family can gain real peace of mind and financial security from knowing

More information

A simple guide to Life Insurance

A simple guide to Life Insurance A simple guide to Life Insurance Your guide to Life, Income Protection, Trauma, and Total & Permanent Disability Insurance. Lifebroker Pty Ltd ABN 92 083 177 011 Introduction Why do I need personal insurance?...

More information

Aviation Cover. Income Protection

Aviation Cover. Income Protection Aviation Cover Income Protection B Important information This advice has been prepared without taking account of your objectives, financial situation or needs. Because of that, before acting on the advice,

More information

Building and protecting your wealth the tax effective way

Building and protecting your wealth the tax effective way Building and protecting your wealth the tax effective way Strategies guide 2014/2015 The lead up to End of Financial Year (EOFY) provides a good opportunity to review your wealth creation plans. At this

More information

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS)

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS) BT Protection Plans Product Disclosure Statement and Policy Document (PDS) Dated 19 May 2014 Who s responsible for BT Protection Plans The Insurer is Westpac Life Insurance Services Limited ABN 31 003

More information

Lump Sum My Retirement

Lump Sum My Retirement Lump Sum My Retirement General advice warning The schemes administered by Super SA are exempt public sector schemes and therefore we are not required to hold an Australian Financial Services licence to

More information

Priority Protection for Platform Investors

Priority Protection for Platform Investors Priority Protection for Platform Investors Product Disclosure Statement Version 12, Issued 8 June 2013 aia.com.au Life s better with the right partner Who issues Priority Protection for Platform Investors?

More information

Retail insurance through the Annex IOOF Pursuit platform

Retail insurance through the Annex IOOF Pursuit platform your investment & insurance needs Financial adviser use only November 2013 Retail insurance through the Annex IOOF Pursuit platform In or out, it s up to you Life insurance is about protecting the things

More information

Westpac Protection Plans. Product Disclosure Statement and Policy Document ( PDS )

Westpac Protection Plans. Product Disclosure Statement and Policy Document ( PDS ) Westpac Protection Plans Product Disclosure Statement and Policy Document ( PDS ) Westpac Term Life Westpac Term Life as Superannuation Westpac Standalone Living Insurance Westpac Standalone Total and

More information

What is Income Protection?

What is Income Protection? What is Income Protection? Income Protection (also known as Permanent Health Insurance or PHI) provides you with a replacement income in the event that you are unable to work due to any accident, illness

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement 30 September 2013 ClearView LifeSolutions is issued by ClearView Life Assurance Limited: ABN 12 000 021 581, AFS Licence No. 227682. ClearView LifeSolutions Super is issued

More information

A Financial Planning Technical Guide

A Financial Planning Technical Guide Insurance and Estate Planning A Financial Planning Technical Guide Securitor Financial Group Limited ABN 48 009 189 495 AFSL 240687 Contents Introduction 1 General insurance 1 Private health insurance

More information

Funding income protection and trauma insurance via superannuation

Funding income protection and trauma insurance via superannuation TB 40 Funding income protection and trauma insurance via Issued on 16 June 2014. Summary The tax concessions available for certain contributions can make it tax effective to fund income protection (salary

More information

SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited

SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited Issued 30 June 2014 AMP Corporate Super The information in this Fact Sheet forms part of the SignatureSuper

More information

Product Summary. Life s better with the right partner. Life Cover. November 2015. Complimentary Final Family Expenses. Why consider Life Cover?

Product Summary. Life s better with the right partner. Life Cover. November 2015. Complimentary Final Family Expenses. Why consider Life Cover? Product Summary November 2015 Life s better with the right partner This is a summary of the main features and terms of the AIA Australia Priority Protection for Platform Investors product. For full details,

More information

Professional Insurance Portfolio

Professional Insurance Portfolio Product Disclosure Statement Please read this Product Disclosure Statement carefully. It contains important information about the above product. Version 9 Issued 6 June 2014 Professional Insurance Portfolio

More information

Client Initial Fact Find / Meeting Notes

Client Initial Fact Find / Meeting Notes Client Initial Fact Find / Meeting tes Date: Meeting Location Credit Advisor Clint / Bertrand / Colin Meeting Type Person / Telephone / Skype Credit Guide Sent: E / F / M CLIENT DETAILS: Full name (Client

More information

FINANCIAL NEEDS ANALYSIS FNA SNOWGUM FINANCIAL SERVICES PTY LTD. Adviser: Matthew Vickers

FINANCIAL NEEDS ANALYSIS FNA SNOWGUM FINANCIAL SERVICES PTY LTD. Adviser: Matthew Vickers FINANCIAL NEEDS ANALYSIS FNA SNOWGUM FINANCIAL SERVICES PTY LTD Client: Date: / / Adviser: Matthew Vickers TABLE OF CONTENTS Contents Personal Details 1 Goals and Objectives 3 Assets and Liabilities 5

More information

INFORMATION FOR ADVISERS

INFORMATION FOR ADVISERS At a glance Lump Sum Protection Protecting your future to make the most out of life. INFORMATION FOR ADVISERS P R O T E C T I O N F I R S T Why Protection? With Protectionfirst you have peace of mind knowing

More information

Financial & Retirement Planning The Benefits of Financial Planning. Australian Financial Services Licence No. 239180

Financial & Retirement Planning The Benefits of Financial Planning. Australian Financial Services Licence No. 239180 The Benefits of Financial Planning Australian Financial Services Licence No. 239180 Agenda 1. What is Financial Planning? 2. Client Types 3. Full Financial Plan Process 4. Data Collection Process 5. Pre-Requisite

More information

Why would you want to consider insurance? We pay claims

Why would you want to consider insurance? We pay claims SMSF Plan CommInsure s SMSF Plan is a customised, easy to use product designed to offer SIS-aligned cover to SMSF trustees. This has the potential to reduce the compliance burden on trustees when selecting

More information

Financial Planning Questionnaire

Financial Planning Questionnaire Financial Planning Questionnaire Issue Number 1 March 2012 Prepared for Adviser Name Contents Personal Details 3 Lifestyle and Financial Goals 5 Investment Preferences 7 Income and Expenses 8 Social Security

More information

Smart strategies for protecting business owners 2012/13

Smart strategies for protecting business owners 2012/13 Smart strategies for protecting business owners 2012/13 What are the risks? Many business owners don t hesitate to insure physical assets such as motor vehicles, plant and equipment. However, they often

More information

MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A

MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A If you have Income Protection cover you may be eligible to increase your cover to ensure it keeps up with

More information

Career transition guide. We empower you. westernpacific.com.au

Career transition guide. We empower you. westernpacific.com.au Career transition guide We empower you. westernpacific.com.au Contents Introduction 3 Coming to terms with redundancy 3 Assessing your financial position 4 Securing employer payments 5 Redundancy and your

More information

Adviser Tax Guide ONECARE 1 JULY 2014 ANZ WEALTH

Adviser Tax Guide ONECARE 1 JULY 2014 ANZ WEALTH Adviser Tax Guide ONECARE 1 JULY 2014 ANZ WEALTH This guide is current at 1 July 2014 and is subject to change. Updated information will be available free of charge from onepath.com.au or by calling 1800

More information

Zurich Life Risk Guide to Wealth Protection products

Zurich Life Risk Guide to Wealth Protection products Product Summary Issued 1 March 2015 Zurich Life Risk Guide to Wealth Protection products Adviser use only Income products Product description Ownership Zurich Income Replacement Pays an income benefit

More information

Personal Insurance. Do I need Life cover and TPD cover? pr tect. their tomorrows

Personal Insurance. Do I need Life cover and TPD cover? pr tect. their tomorrows Personal Insurance Do I need Life cover and TPD cover? pr tect their tomorrows Life cover and Total and Permanent Disablement (TPD) cover provide you with the comfort of knowing that a lumpsum will be

More information

Who s looking out for you?

Who s looking out for you? Who s looking out for you? Insurance for Nurse Surgical Assistants www.moorestephens.com.au Copyright Moore Stephens Serious about Success 1 Important information This presentation contains general advice

More information

Goldman Sachs & JBWere Superannuation Fund. Life is a journey, full of important events, stages and milestones each with its own financial obligation.

Goldman Sachs & JBWere Superannuation Fund. Life is a journey, full of important events, stages and milestones each with its own financial obligation. Goldman Sachs & JBWere Superannuation Fund 2015 INSURANCE PULSE CHECK SOLD Life changes. Your insurance needs to as well. Life is a journey, full of important events, stages and milestones each with its

More information