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Wealth protection advice

Sickness, injury, and death is not a subject many of us want to think about. But have you considered the impact on your family and business if it happened? Wealth protection is an essential part of financial planning. Our advisors help you to consider the various strategies available to your particular situation.

As financial specialists, we help to understand our clients’ needs now and into the future, assisting with financial and legal structuring as well as tailoring life insurance, total permanent disability, income protection, and other insurances to ensure you, your family and income are protected.

Succession planning for business owners

How will your business and your family wealth be impacted in the event of sickness, injury or death? Is your business in safe hands? We help to develop a succession plan, correct structuring and protection to ensure your family and business success.


What is total permanent disability insurance (TPD)

Total permanent disability insurance (TPD) provides for you if you were to become permanently disabled due to an accident or illness and you were unable to work. Total permanent disability Insurance provides you with a lump sum payment to help with medical and rehabilitation treatments, paying off any personal debts, paying off your mortgage and giving you financial security in your life. The definition of disability and the terms vary between insurance companies. Seeking advice from a financial advisor that understands your financial position is advisable.

What is life insurance?

Life insurance helps to take away the worry if you’re not around to take care of your family. It’s not a great subject for anyone to think about but we can help to provide you with the right advice before the unexpected happens. Life insurance provides a lump-sum payment in the event of the death of the insured person to a designated beneficiary.

What is income protection?

Income protection also known as salary continuance helps to replace a percentage of your income when you are unable to work due to illness or injury over a certain time period. Insurances such as these are particularly suitable for self-employed, small business owners or professionals.

You also need to consider what other types of insurance you would need, for example, if you were unable to return to work total permanent disability (TPD) insurance can help when you need a lump sum of money to help with medical bills and to clear any debts.

There are many considerations before choosing the best insurance cover for your needs. Our financial advisors can help to identify the best insurance for you.

What is trauma insurance?

Trauma insurance cover or critical illness insurance provides a lump sum of money to cover immediate medical expenses and other financial needs when a critical illness or injury occurs.

Our advisors help to asses the best insurance cover for your individual needs.

What about business risk?

Talk with our advisors about the business risks in your business and ways to protect your business and the directors and key people. There are also a range of business risk insurances that are designed to protect the business in certain circumstances.

We invite you to start a conversation with our financial advisor today.

    Financial advice when you need it.

    Leenane Templeton Wealth Management Pty Ltd is a Corporate Authorised Representative of LT Advice Pty Ltd ABN 21 637 033 286 | Australian Financial Licensee 523026.

    Call our team for a chat about your needs.