Insurance is a financial safety net for you & those closest to you

It's not what you want to hear, but it can happen to you.  You may not always be fit and healthy.  Even though life expectancy has increased, there's no room for complacency.  Australian males have a life expectancy of 77 years but only 57 of those years are likely to be free of some significant disability.  For females, it is 82 and 63 years respectively.  Did you know that in a business with three male partners, all aged 45, there is a 50% chance that one will die before retirement at age 65?

We use a simple four-step process to ensure the best possible cover for you:

1. First, we get a thorough understanding of your financial and lifestyle goals – over the short, medium and long term.
2. We then work out the right insurance plan with the best possible levels of cover for you.
3. To make sure your policy is as tax and cash flow effective as possible, we'll also advise on the most efficient way to hold your insurance, whether it's self-owned, company-owned or within your superannuation.
4. Finally, we'll source the insurance provider and product that best suits your needs.

WHK specialist risk & insurance planners will direct you to the most appropriate cover for all aspects of your life.  We know only too well how difficult it is to wade through the terms and conditions of policies and make an informed judgement.  WHK investigates and judges each insurance policy against criteria including; value of the cover, contract definitions, cost of premium in relation to cover, disclaimers, payout history of insurance provider and overall insurance provider stability.

Types of insurance to consider:

Cover you need, and none you don't