( +61 ) 07 5556 3300 info@wmssolutions.com.au

Risk Insurance

Risk Insurance

Life Insurance
Pays a lump sum if you die or become terminally ill.
It’s not something we like to think about, but it is a fact of life. What would happen if you were no longer around? Without you, where would your family be financially?

Life insurance proceeds can:
• Eliminate your debts; and
• Provide your family with an ongoing income to cover costs such as your family’s living expenses and your children’s education.

TPD Insurance
Pays a lump sum if you become temporarily or permanently
disabled.
What would happen if you couldn’t work again because of a total and permanent disability? The financial ramifications of a disability, the onset of which might be sudden, could be severe. Not only would your household income decrease, but you may also have to contend with substantial medical costs associated with your disability.

TPD insurance proceeds can:
• Eliminate your debts;
• Replace your income; and
• Cover additional expenses such as medical expenses, modifications to the home or the cost of a carer.

Trauma Insurance
Pays a lump sum if you suffer a specified medical
condition.
We can’t always know what is around the corner, unforeseen events such as the onset of cancer, an unexpected heart attack or accident can change our lives forever.

How would you manage financially if you had to scale back your working hours to help you overcome your medical condition and/or fund the cost of out-of-pocket medical expenses?

Trauma insurance proceeds can:
• Eliminate your debts;
• Replace your income; and
• Cover additional expenses such as medical expenses, lifestyle changes (i.e. ongoing  reduction in work hours)

Income Protection Insurance
Replaces a percentage of your lost income if you can’t
work due to sickness or injury.
Sickness and injury can strike at any time. What if it prevented you from working and your income suddenly stopped? What affect would it have on your family, your assets, investments, savings and future plans? Income protection can help you protect the  financial wellbeing of your family should sickness or injury occur.

WMS Risk Solutions Pty Ltd is a Corporate Authorised Representative No.341157 (CAR) of Professional Investment Services Pty Ltd. ABN 11 074 608 558, an Australian Financial Service Licence holder (No 234951)


Professional Investment Services Pty Ltd
AFSL No 234951
ABN 11 074 608 558
T: 07 5574 0244
F: 07 5574 0180
E: info@profinvest.com.au
W: http://www.profinvest.com.au
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General Advice Disclaimer:
The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Professional Investment Services Pty Ltd (PIS) Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither PIS nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.

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