Spicers independent insurance solutions can help protect against the unexpected
Making sure you’re protected with appropriate insurance cover is important to help you achieve your lifestyle and financial goals even if the unexpected happens.
Whether on its own or as a part of a comprehensive financial plan, insurance will help give you peace of mind by protecting what you have now and what you want in the future. As a general rule, you’ll want to insure what you cannot afford to lose.
Spicers can help you select the right level of cover to meet your needs and we’ll regularly review your protection to ensure it’s aligned to your changing circumstances.
And because Spicers is not tied to any one provider, we are able to give you the solution that works best for you, your family and your lifestyle. We do this by using a cost/benefit analysis to match your unique requirements to the most appropriate insurance provider.
Our solutions offer ways to protect yourself, your family or your business:
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Health is our most important asset. You can better manage health issues or minimise the impact when experiencing health problems through a variety of insurance options.
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Medical Insurance can offer choices in treatment at your convenience, enable preference of medical practioners and avoid possible treatment delays under the public health system. Trauma Insurance takes this a step further to pay you a lump sum to cover a major illness or medical procedure while Total and Permanent Disability insurance offers a lump sum if totally or permanently disabled.
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Although a particular concern in this economic environment, it's always important to protect your ability to generate income – not only to reach your financial goals but even to cover basic living expenses and home payments.
Even 10 years of Household income can be far in excess of the value of a family home...
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Income Protection is designed to provide a monthly benefit that can pay up to 75% of your income until retirement age if you are unable to work. Mortgage Repayment helps ensure that you can meet the cost of mortgage payments in the event of redundancy, etc
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Help protect your family’s financial future when there’s a death in the family
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Life Cover provides lump Sum payment in the event of a premature death while Family Income offers a monthly benefit paid after the premature death of the life insured
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The viability of many businesses is dependant on the health and retention of key persons as well as a number of factors potentially beyond your control. There is assistance to manage those which are within your control.
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For the recently self-employed, Key Person Cover offers a monthly benefit for two years if your unable to work and Business Expenses insurance covers ongoing operational expenses which may continue when income generation is impaired by illness. Business risk can be structured to ensure major stakeholders do not lose the ability to influence the direction of the business entity through succession issues.
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For further information, you can contact Spicers insurance and mortgage specialist for a free initial consultation.