Here we dispel some common myths about life insurance to help you make informed decisions about your cover
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Here we dispel some common myths about life insurance to help you make informed decisions about your cover
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Life insurance is all about providing a financial safety net that helps you take care of yourself and your loved ones when they need it most. It’s about peace of mind in knowing that no matter the adversity, you and your family’s financial stress will be reduced and you can focus on rebuilding your lives. But have you ever wondered how much insurance companies actually pay out?
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Superannuation is the primary method of funding retirement for many Australians and is a tax effective investment vehicle to grow your money for this purpose. Planning for retirement and making contributions during your working life will enable you to take advantage of compounding investment earnings which will ultimately boost your Super balance at retirement. It is also important to ensure your Super Fund is right for you and your investment strategy (the manner in which your Super is invested) meets your financial goals and your tolerance to risk. Following are some ways to contribute to Super before the end of the financial year.
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Are you impacted by COVID-19 and thinking about using the Federal Government’s Early Release of Super provision to access your Super?
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A common financial concern amidst the COVID19 crisis is the impact of the share market downturn on Superannuation accounts and what one ought to do about it. If you are an ‘accumulator’ (typically those with longer than 5 years until retirement), you should do nothing if you are invested in a well diversified investment strategy with a reputable Super fund.
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The last two weeks have thrown up unprecedented challenges to many of us as we deal with the impacts of the health crisis that is COVID19 and the resultant economic crisis. The importance of fighting the economic crisis cannot be underestimated as the impacts of failing on this front will be devastating for many Australians. At Perera Crowther Financial Services, our efforts to date have been focused on our most vulnerable clients from a medical and financial perspective.
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A recent article by Life Insurer TAL explored the payment of Life Insurance claim proceeds to a child or children under the age of 18 which highlights the significance of considering estate planning as part of designing a personal insurance program. The surviving legal guardian of the child may have the the ability to make financial decisions on behalf of the child which needs to be considered in the context of the deceased parents wishes.
From 1 July 2017, significant changes to superannuation, consequently impact insurance and succession planning strategies which may give rise to the need for reviewing of existing insurance and estate plans.
Life insurance is one of the most important investments you can make to protect your family’s future well being. And like any investment, it needs careful consideration. Continue Reading
In the unlikely event that you break a leg or, heaven forbid, die prematurely you and your family have got it covered, right? You’ve got life insurance care of your super fund, not to mention that pricey health insurance policy. And if worst comes to worst, there’s always a government pension to fall back on, isn’t there?