Consolidating
your super funds into
one account can save on multiple annual member fees and provide opportunities for management fee discounts due to economies of scale of one large account over a few smaller accounts.


Be sure you evaluate both the administration fee and investment management fee when comparing investment or super products. They both exist, but can sometimes be difficult to find on face value.

Life Insurance: Why Insure Yourself?

Statistics show that:

One in Three Australian are like to become disabled through an injury or illness for more than 3 months before they turn 65. 1

  1. Did you know that for every home lost in a fire there are 4 homes lost through death and 48 homes lost through disablement. 2

  2. 60% of families with dependants will run out of money within 12 months if the main income earner dies! 3

  3. 69% of people in small business do not have income protection. 4


  1. Interim report of the disability committee institute of actuaries of Aust 2000
  2. U.S. Government survey 2005
  3. TNS the issue of under insurance
  4. IFSA small business statistics

Thinking the unthinkable!

If something happened to you?

What would happen to your Family?

  • How long could your family meet living expenses and mortgage repayments if something happened to you?

  • Could they keep the house?

  • How would your spouse and children repay your loans?

  • Would your children have to change schools?

What would happen to your Business?

  • Would the business have sufficient funds to repay any loans owed?

  • Could your business partner continue to run the business?

  • Would you be sure that you or your family would receive adequate payments for the transfer of your interest in the business?

  • Would you lose a key revenue generator?

Solution

We can advise you on a tailored Risk Protection Portfolio that can be readily put into place to ensure your business and family are financially secure if tragedy strikes. Using the favorable tax landscape afforded to life insurance, premiums can be extremely tax effective and affordable. As a guide, the average life insurance premium based on $500,000 for a male aged 35 is $32 per month *

* Quotation from Cannex research @ July 2009, based on median premium for a male, non smoker, clerical duties, stepped premium

Our Advice Fee

There is no charge for us to assess your insurance needs and present you with our recommendations. We will receive up-front and ongoing commission from the product provider if our advice is implemented.

The cost of Life Insurance is a small price to pay for protecting your most valuable asset – You!

Specialist Advice

Personal and Business Insurance requires specialist advice. With over 20 years experience in insurance advice, you should speak to us. Vertex Group advisers guarantee to provide our clients with a personalised service and the most up to date and appropriate solutions for their needs.

Contact Vertex Group on 9832 0677 mark.mcneany@vertex-group.com.au for prompt and personal attention.

Please Note:
This advice in this document may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice and tax and/or legal prior to acting on this information.
Vertex Group Pty Ltd advisers are Authorised Representatives of GWM Adviser Services Limited an Australian Financial Services Licensee, Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.