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If we have families, we are conscious that we need to protect them in case we die unexpectedly, or if we become disabled. However, we often overlook a much more likely risk - not being able to work for an extended period of time.
Many of us have life insurance through our superannuation fund.
The two usual types of life insurance cover available are Death and Total and Permanent Disability (TPD) cover.
If you only have death cover or you do not meet the definition of total and permanent disablement, a serious illness or accident could leave you without an income and the consequences could be devastating.
It is sensible to consider income protection insurance or trauma insurance.
A Financial Services Officer, or a Bridges’ financial planner, can examine your need for protection against these risks and, if necessary, arrange appropriate insurance.
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Things you must read
This is general advice only and has been prepared without taking into account your particular objectives, financial situation and needs. Before making an investment decision based on this brochure, you should consult a financial planner. Bridges Financial Services Pty Limited (Bridges). ASX Participant. AFSL No.240837. Executive Wealth Management Financial Services Pty Limited (EWM) AFSL 245451 In referring members to EWM and Bridges, Hume Building Society does not accept responsibility for any acts, omissions or advice of EWM, Bridges or its authorised representatives.
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