Family Protection

Insurance for Individuals and Couples

We can provide you with a comprehensive analysis of your life insurance needs from the comfort of your office or home. We have a technology based service that uses the internet and state of the art communication technology to make the process simple and easy for YOU.

Like most Australians you may have found Life Insurance a complicated product to understand. In fact, there isn’t one product that covers all a persons needs and this makes being certain about being able to make a claim difficult.

You may have even found it difficult to work out whether you have been sold a ’product’ rather than being helped to buy a ‘solution’. If this has been your experience then you are like most of our clients when they first make contact with us.

The difference between "selling" Life Insurance Products and advising and helping clients to "buy" Life Insurance Solutions is a subtle difference, but a very important one. Having someone alongside you and unattached to the "product purchase" and focused on your solution is a huge advantage for you.

We tailor life insurance solutions to suit your needs and budget. You can be sure that the advice you receive is in your interest, not ours. Just read what some of our clients have told us about our service.

To compliment our offering we have developed fee options that may suit your personal circumstances. You can either engage us on a ’fee for service’ basis or the more traditional "commission" based model. Whichever suits YOU best.

For more information on how we can help you best, contact one of our friendly Consultants on 1300 76 35 99 or email us at info@completecover.com.au

We have produced The Family Protection Review to create financial certainty for your family's future.

Our process will also help you:

• Maintain your family's standard of living;
• protect your family's assets;
• Maximise tax efficiencies and minimise costs.

The Family Protection Review is designed to create financial certainty for your family's future. The Family Protection Review will also help you to maintain your family's standard of living, protect your family's assets, and maximise your tax efficiencies whilst minimising costs.

"In my experience, families tend to focus on their immediate financial issues. These are usually, how best to pay off their home, maximising their cash flow position, looking at ways to create investment wealth, educating their children and so on." says Stephen Sandor. "Rarely does a family discuss the effects of the loss or long term sickness of a loved one. This is either through the lack of time, or a belief that 'it won't happen to me'".
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It's an uncomfortable subject to talk about, and usually only comes up when an acquaintance or friend's family is effected. It's only then that the full effect of not having the appropriate protection in place hits home. It may be that there is no insurance in place, or existing cover is insufficient to support the family.

Insurance policies may be inappropriately owned and therefore can't deliver the maximum benefit to the family. The quality of the policies may also be of a low standard and prevent the client from claiming on a policy. The remaining partner may not even be aware of what insurance is in place, and how to claim. The dilemma is where to find the appropriate solutions from an impartial source to ensure the family is secure.

The Family Protection Review is a step-by-step process divided into four distinct stages.
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In stage one, we help you assess your current position and identify your personal dangers.

In stage two you will receive a comprehensive analysis of your cash flow needs in the event of your death or permanent incapacity. The outcome is a recommendation on the most cost effective solution, maximising the family's cash flow efficiency and minimising the costs.

In stage three, we coordinate the implementation of our recommendation to ensure the completion of your personalised funding solution.

Finally, in stage four, you are able to maximise your time efficiency through an ongoing service. This service ensures The Family Protection Review remains current and relevant to your personal objectives, and frees you to focus on building your family's future.

Contact Complete Cover for a complimentary 20 minute discussion on whether The Family Protection Review will meet your needs.

When you have completed the process, you will have the necessary financial protection in place to deal with an unexpected loss of income through either, a death, an accident or illness. Your family's lifestyle will be secure. The structure and ownership of your policies will maximise the tax efficiencies available and minimise the cost of insurance.

You will have the optimum product available through a rigorous research methodology maximising your ability to claim. You will have been offered appropriate advice on an impartial basis. And finally, you will have been provided with an opportunity to ensure you minimise costs, capitalise on the efficiencies of your solution, and maximise your time, by outsourcing the administration of your portfolio.

Contact Complete Cover for more information on how to protect you and your loved ones