Personal Insurance

Your most valuable personal asset is the ability to earn an income.

Preparing for unforeseen events

Protecting you and your family from unforeseen events is not only difficult to talk about, the insurance options are often misunderstood and worse, overlooked. Personal insurances are part of any robust financial plan and provides peace of mind that your family are financially secure no matter the circumstances.

Common personal insurances include:

  • Income Protection Insurance - provides financial support for your day to day lifestyle needs, such as rent or mortgage repayments, when you are unable to work due to accident or illness. It provides temporary support until you are fit enough to work again. Income protection is usually tax deductible and can often be paid for out of superannuation.
  • Total & Permanent Disability (TPD) Insurance - typically pays a lump sum when you suffer permanent damage from illness or accident that leaves you unable to earn an income. This can be used to pay off debts or make modifications to your home or lifestyle to accommodate your change in needs.
  • Critical Illness Insurance - covers serious illnesses like cancer, stroke or heart attack. It pays a lump sum to assist with out of pocket expenses like medical bills and lifestyle expenses associated with your illness.
  • Life Insurance - provides financial security for your family or financial dependants in the event of your death. It provides a lump sum to cover financial obligations like mortgage repayments and an amount to be invested to replace your income.

Help with navigating your personal insurance needs​

Saige financial planning provides expert advice on personal insurances and we can implement the necessary insurance policies saving you time and effort to do this yourself. 

Our personal insurance recommendations form part of an overall financial plan giving you peace of mind that no matter the circumstances you and your family are financially secure.

Getting quality advice with Saige Financial Planning

Personal insurance is often a difficult conversation to face. Our team can explain your options clearly so that you are confident you are covered.