Allston

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Contact

231 East 22nd Street, Suite 23 New York NY 10010

Email: office.ny@ratio.com
Fax: +88 (0) 202 0000 001

Personal Insurance Protection

You may be thinking “Who needs life insurance?”  If you have a family who is financially depended on you or have debts that are serviced from your income alone, you should consider the peace of mind that life insurance may bring.

Life is full of uncertainty and the unexpected can occur. The death of a loved one can place an enormous strain on a family both emotionally and financially. Have you considered how your family would cope financially if you were no longer around? While we can’t control everything in our lives, there are some things we can help prepare for.

Recent studies have found that only 20% of Australians have sufficient insurance cover.

Reasons provided are:

  • It’s too time consuming to implement.
  • It’s too complex.
  • We can’t afford it.

There are other issues to deal with in the event of an than an unexpected death, such as:

  • How long will you be able to sustain your lifestyle and pay your bills if you don’t have a regular income?
  • How will you deal with the financial impact of suffering a traumatic event such as cancer, stroke, heart attack and coronary artery surgery.

We can assist you with all the issues above and more importantly, the cost.

One of the greatest cost contributors to personal insurance is the commission life companies pay agents and advisers for selling their products.

What we can assure you is you will receive complete unbiased advice when it comes to your personal insurance recommendations as 100% of the commission will be refunded back to you in cash or by way of a cheaper premium than would otherwise have been available with the policy.

Whatever your financial planning needs the most important outcome of the advice is that it should be appropriate in your personal situation.

You need to understand how and what you are paying for your advice. You also need to understand any circumstances which may influence the advice you are receiving in particular the way your adviser is being remunerated.

Shane Butler Financial Services Pty Ltd – Authorised Representatives of Consultum Financial Advisors Pty Ltd 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.