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Asset Protection


What is an appropriate protection strategy?

How much do you need?  With so many providers, what is your ideal level of cover and which policy best suits your needs?

These are often daunting. Not only are there a number of insurance products available, but policies typically contain different features and benefits.

These are the hard questions we’ll sit down with you and work on an answer to suit your needs.


We can assist with the entire process, from reviewing your existing insurance cover, if you currently have it, to discussing the protection strategies available.

We can help establish the most relevant level of cover based on your individual needs and the stage you are at in life.

We take the hard work out of finding the right insurer to suit your needs.

How long could you survive financially without your employment income?

Arguably, your most important asset is your ability to earn an income.  Whilst most people insure their homes, contents and cars, most neglect to insure their income.

What would you do if you were unable to meet regular payments on your mortgage or other debts?

How would you put your kids through your desired education?

Income protection is a highly effective way of helping you safeguard from these events.

Through sickness or injury, if you are unable to work, then your income protection will go to work for you to pay a monthly income.

Quite simply, it will help put food on the table, petrol in the tank, stop the bank from foreclosing on your mortgage, keep school fees paid and generally give you the means to maintain a reasonable standard of living if you are not able to earn your income.

Could your family maintain their standard of living after the death or total & permanent disability of one of you?

  • How would you financially survive if you had to sell family or business assets to retire debt in the event of death or disability?
  • Would you be able to pay off a mortgage loan and other personal debts, and for how long?
  • How would you pay for your children’s education?
  • Do you have an emergency fund or a fund for a family member with special needs?

To minimise the loss that may result from death or serious disability, it is vital to implement the appropriate protection strategies for yourself, your family and your business against the misfortune of unforeseen events through appropriate Life Insurances.

What is Term Life and Total & Permanent Disability (TPD) Insurance?

Term life insurance pays a lump sum benefit on death of the life insured during the term of the insurance. Total & Permanent Disability insurance pays a lump sum on the total and permanent disability of the life insured during the term of the insurance.

With regard to TPD cover, its very important that the contract you purchase has the strongest definitions available to ensure claims can be paid.  That’s where FCA can help you.

If you were affected by a serious illness, how would you, or those who depend on you, manage financially?

Trauma Insurance, sometimes known as Crisis Illness Insurance or Crisis Recovery Insurance, pays a benefit to the life insured on diagnosis of a specified medical condition. Trauma Insurance is designed to provide a lump sum payment to enable you to recover from a trauma or crisis such as cancer, heart attack, stroke or any number of life threatening illnesses outlined in the policy schedule.

We all tend to think that these are things that happen to other people. But we all know of someone that has been afflicted by a traumatic illness, whether it be one of the many forms of cancer or heart attack or by-pass surgery, etc. All of us have seen in others that the stress of a traumatic illness can be exacerbated by the need to meet medical expenses, lifestyle changes, the payment of bills, mortgage, amongst other things. It can happen to anyone.

The payment of a lump sum trauma insurance benefit allows you the freedom to concentrate on recovery without the attendant financial stress. The medical conditions that your Trauma Insurance policy will cover, will depend on how comprehensive you would like your cover to be. FCA can assist you with a range of trauma policies that you can choose from.

Similar to insuring the loss of a key family member, the same can apply to a key person in a business structure.

Whether it be replacing that individual or covering the costs of their loss to potentially buying out the ownership of the deceased equity this is a very important area for the business insurance market.

FCA can assist with structuring and recommending the appropriate policy for this need.