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  • About Us
  • Our Process
  • Our Services
    • wealth management
    • Personal Insurances
    • Debt and financing
  • Contact Us
  • Blog

Lifestyle protection
Personal Insurances - protecting you and your family
Have you considered how you would cope financially if you were sick or insured and not able to earn an income? Loan repayments, school fees, food and household expenses all continue despite lack of regular income flowing through.

Having the right insurance strategy ensures peace of mind that you are your loved ones will be financially secure in the event that an unforeseen sickness or accident prevents you from earning an income.  

Examples of personal insurances include
- Life cover

Pays out a lump sum amount in the event of the insured’s death. This enables funds to be available to pay of debts, final expenses and provide an income stream to protect your surviving family members.

- Disability cover (Total and Permanent Disability / TPD)
Pays out a lump sum amount in the event that the insured becomes permanently disabled and cannot return to work. This enables funds to be available to pay of debts, fund medical expenses and provide an income stream to protect you and your family's lifestyle.

- Trauma cover
Will pay a lump sum amount on diagnosis of a specific event, such as cancer, heart attack or stroke. Generally this should be an amount to fund living expenses and recovery whilst you are off work. 

- Income protection cover
You’d insure your car and your house, so why wouldn't you insure what might be your most valuable asset—your ability to earn an income?

Income protection usually pays a monthly benefit of up to 75% of your regular income while you’re unable to work due to illness or injury. Premiums are generally tax deductible and benefits can be paid up to age 65 to provide a regular income in the event of sickness of injury that prevents you from earning an income.
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This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.
 Poci Investments P/L (ACN 609 788 098) ATF Anthony Poci Family Trust ABN 62 671 011 982
Trading as A & T Financial Services 

Corporate Authorised Representative 1238618     
Nextplan Financial Pty Ltd ABN 24 167 151 420
Australian Financial Services Licensee Licence number 452 996
Principal Address: Level 8, 179 Queen Street  Melbourne Victoria 3000
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