Do you have all the protection you need ?

Do you have all the protection you need?

As a qualified or skilled workers, you need to be physically fit and healthy to make a living. That way you can maintain the lifestyle you and your family have worked so hard for.
So when you’re looking at insurance, you need to make sure you have cover that takes into consideration the work you do and the unique risks you face. It’s important to feel confident knowing that whatever happens, your family will be looked after.

Workers compensation may not be enough

Workers compensation helps part of the way, but you could be waiting a long time and it only covers some of your medical bills.
What if something happens outside work or you suffer heart disease or cancer? When your income stops, the last things you need to worry about are your loan repayments, bills, and everyday expenses including your children’s schooling.

Here are the facts:

• According to Safework Australia, labourers and related workers had the highest incidence rates of work-related injury – nearly three times the rate of all occupations.1
• 48% of claims from tradespeople relate to having an accident.2

Let’s make sure you have the cover you need

I encourage you to make an appointment with my office. If you can’t afford comprehensive cover, you can cover yourself for accidental injury only. Considering the majority of claims are due to accidents, it’s a pretty sensible option.

1 “Key Work Health and Safety Statistics Australia, 2010”
Safework Australia
2 Source: Asteron Life, based on 2011 income protection claim statistics.

This may contain general advice.  General advice is prepared without taking into account your objectives, financial situation or needs, and because of this, you should, before acting on the general advice, consider the appropriateness of the advice, having regard to your objectives, financial situation and needs and if the advice relates to the acquisition of a particular financial product for which a Product Disclosure Statement (PDS) is available, you should obtain the PDS relating to the particular product and consider it before making any decision whether to acquire the product.