Personal Insurance

Income Protection
Most people think to insure their physical assets but often forget their most important asset: themselves and their ability to earn an income. Income Protection provides payments to replace lost income where you are unable to work due to accident or illness. Generally, you can cover up to 75% of your income and receive monthly benefits up to age 65.

1 in 3 Australians are likely to become disabled through an
illness or injury for more than 3 months before they turn 65.**

** Interim Report of the Disability Committee Institute of Actuaries
of Australia (2000)

Business Expenses
Business Expenses insurance will cover business operating expenses whilst you are unable to work due to sickness or injury. This product is ideal for the self-employed, partnerships and small businesses.

Death (Term Life)
No one likes to think about it but people “die before their time”.

• Would your family be able to pay your debts?

• Would they lose their family home?

• Could your family continue the lifestyle without your income?

Death cover provides a lump sum payout to a nominated beneficiary in the event of death or terminal illness. How much cover you need depends upon your personal circumstances. Death cover can be held inside or outside superannuation.

Total & Permanent Disability (TPD)
TPD provides a lump sum benefit in the event you are unable ever to work again due to total and permanently disability. Its purpose can include using a payment to repay loans, pay for a personal carer, maintain the family’s lifestyle or cover the children’s education costs.

Critical Illness
Some traumas will leave you incapable of work for a period of time but after treatment, you may be able to return to your original lifestyle. Critical Illness (or Trauma) Insurance provides you a lump sum payment should you be diagnosed with one of a specified list of illnesses or injury, e.g. stroke, cancer, heart attack. The payment may be used to cover medical expenses, reduce debts and allow you some time off for recovery and recreation with your family after such a life changing event.

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.