Apex Financial Planning


Life insurance and disability insurance

The glamour of wealth creation often takes priority over the more basic requirement – the need to protect it. In instances of death, disease or trauma, your wealth can quickly disappear which can lead to severe financial hardship.

Insurance provides you with funds for rehabilitation and therefore the ability to look after your family and your financial responsibilities should the worst should happen.

Often clients are underinsured because of the impact that taking out cover has on cash flow. However, insurance through your super fund has its disadvantages; namely that the automatic or default level of cover may be insufficient, leaving the client heavily underinsured. Do not leave it to fate to look after your loved ones should you not be able to provide.

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