Insurance

A well-constructed financial plan has two parts
wealth creation and wealth preservation.
Wealth preservation helps you protect your ability to create wealth.


Wealth creation is the part of your financial plan that helps you build the assets to meet your financial goals. Your goals may include saving for your children’s education or a future overseas holiday, or having enough money to live comfortably when you retire.

Wealth preservation (risk insurance) helps you protect your ability to create this wealth. Your wealth creation plan will be based on the assumption you’ll stay healthy and live to a certain age. But there may be unforeseen circumstances which can impact your plans. Risk insurance may help you to continue meeting your financial goals if you lose your ability to work or suffer a serious illness.


Risk insurance shifts the financial burden created by personal risks to insurers who can afford to cover them by pooling the premiums paid by their customers. It provides peace of mind that you and your family are financially secure by paying an ongoing income if you can’t work because you’re temporarily or permanently disabled, or if you die.

Different insurance for different needs


  • Life insurance provides financial protection for dependants if you die.
  • Total and permanent disablement insurance pays a lump sum if you can’t ever work again because of illness or injury.
  • Income protection insurance generally pays up to 75% of your monthly income if you can’t work due to illness or injury
  • Trauma insurance pays a lump sum if you suffer a specified traumatic event such as the diagnosis of cancer or coronary disease.