First Financial Services based in Cairns provides wealth protection advice.

Should the unthinkable happen, personal insurance can help to provide financial security to you and your family. Find out about the insurance options available to you.

Why do you need it?

  • Things can go wrong. We don’t like to think they will, but realistically they can and you need to think about what would happen to your family and lifestyle if something unexpected happens

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  • Protect your financial future. Would your family be able to afford home loan repayments, kid’s school fees and daily living expenses?

Types of personal insurance cover we provide;

  • Income protection insurance – More than four out of five Australians insure their car, yet less than a third of us insure the source and support of our lifestyles – our income. Income protection cover (also known as salary continuance) pays a monthly benefit of up to 75% of your regular income if you’re unable to work due to sickness or injury, so you can still meet your living expenses.

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  • Total and Permanent Disablement (TPD) insurance – TPD cover provides a lump sum if you become unable to work due to a permanent disability. This cover can help you pay for medical expenses, repay major debts and help provide for your future.

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  • Trauma insurance – Trauma cover provides a lump sum if you’re diagnosed with a medical condition or undergo a procedure outlined in your policy. This may include a heart attack, major organ transplant, cancer or stroke — to name a few. Trauma cover is designed to help cover your medical costs and living expenses, providing you with some financial security during the important recovery period

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  • Life Insurance – Death cover may be important for people of all ages, especially if you have others relying on you and large debts such as a mortgage. Death cover provides a lump sum to your beneficiaries if you die. This can be used to help meet the costs of your mortgage, other debts and/or cover your family’s future expenses. Many policies make an advance payment of the insured sum if you are diagnosed with a terminal illness

First Financial Services provides wealth protection advice in Cairns . Contact us on 07 4038 3333.

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