PERSONAL RISK INSURANCE

Building a successful business not only requires hard work and sacrifice, but a sensible approach to managing business risk. Business owners do a great job protecting their business but often overlook themselves. What you value most could be at risk without the proper life insurance.

In July 2018, our membership of the AUB group allowed LEA Insurance Brokers to further strengthen our client offering in this area by combining the strength and staff of LEA Life with the ABFS group of companies; specialists in the personal insurance space.

Through the team at ABFS (QLD) a tailored plan can be put together for you and your business; catering to your specific needs and ensuring you have an appropriate amount of insurance in place, aren’t paying too much, have quality policies that pay at claim time, and have the correct structure.

Contact the staff at ABFS (QLD) Pty Ltd directly by phone on 07 5538 8988 or email referral@abfs.com.au. Alternatively contact us for an introduction.

personal risk insurance

FEATURES & BENEFITS

Keyperson Insurance

Protecting your company should a key employee be unable to work

Partnership Insurance

Cementing shareholder succession in the wake of a partners death or disablement

Life & TPD Insurance

Providing protection against debts and funding lifestyle expenses for yourself and/or family

Income Protection & Business Expenses

Providing a monthly benefit if unable to work due to injury or illness

Trauma Insurance

Protect against medical costs in the wake of a critical illness such as heart attack and cancer

Child Cover

Protecting the entire family

Request Callback

Have one of our life insurance experts call you back to answer any questions.

Life Insurance for the business, business owners and families

The insurance that you have as a business owner or employee can affect the insurance you have to protect yourself and family. It’s important to balance these and make sure your overall strategy is structured in the correct manner, flowing from one to the other without restriction.

Advantageous Underwriting Assessment

As a result of their size and strength in the market, ABFS are able to access advantageous underwriting assessments for clients, resulting in significant premium reductions for those clients that may otherwise be paying premium loadings from adverse medical conditions.

Structure & Ownership of Policies

With ever changing rules on taxation, beneficiaries and policy definitions, it is important to ensure that your insurance is structured effectively, maximising the tax effectiveness of premiums and claims for you and your family, your company and beneficiaries.

Premium Structure

Premiums can increase over time leaving individuals struggling to pay premiums at an age when it is needed most. Utilising the right premium structure can ensure that coverage can remain affordable in the immediate future, all way through to retirement.

Our Role

LEA Insurance Brokers do not provide any advice in relation to life insurance or superannuation. Nothing on this page should be read as endorsing or recommending life insurance to you. We refer you to ABFS (QLD), who under an agreement, may provide us with a referral fee. Should you engage their services, this fee will be fully disclosed by them at the time of their providing advice.

The information on this page (including taxation) should not be taken as personal advice as it has not been based on any one person’s personal objectives, financial situation or needs. Before acting on any information or advice, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. You should obtain a Product Disclosure Statement relating to the products mentioned, and consider the statements before making any decision about whether to acquire products.

ABFS (QLD) Pty Ltd (ABN 90 107 534 501) is a Corporate Authorised Representative of Millennium 3 Financial Services Pty Ltd (ABN 61 094 529 987) (AFSL 244252). The views expressed in this publication are solely those of the author; they are not reflective or indicative of M3’s position and are not to be attributed to M3. They cannot be reproduced in any form without the express written consent of the author.

Proud Partners of ABFS (QLD) Pty Ltd Gold Coast Office Suite 14/47 Ashmore Road Bundall QLD 4217

ABFS (QLD) Pty Ltd Broker Details

Paul Langdale

paull@abfs.com.au 0419 732 772

Diane Morley

dianem@abfs.com.au 0408 191 415

David O’Connell

davido@abfs.com.au 0411 722 440