What is your Overall Financial Plan ?
At Grabowski Financial Planning we consider your ability to earn an income to be one of your most valuable assets. Protecting that asset, in a manner that fits within your overall financial plan, is our primary goal when considering insurance policies. Income protection, along with a range of other personal and business insurances, is part and parcel of a plan designed to help protect you and your loved ones should accident, injury or illness strike.
Grabowski Financial Planning can help guide you through a range of policies, including:
- Life Insurance
- Income Protection
- Total and Permanent Disability (TPD)
- Trauma Insurance (sometimes referred to as Critical Illness Insurance)
We appreciate that not all insurances will suit all clients, which is why we opt for a tailor-made approach to suit your particular circumstances. Your GFP / Grabowski Financial Planning adviser reviews both niche markets as well as more generic offerings to help ascertain which products may suit your particular situation, taking into account a range of factors including – but not limited to – your age, occupation (be it hazardous or otherwise) and health. Beyond the structure of the insurance policy itself, your GFP adviser may collaborate with your accountant and/or solicitor and other professionals to achieve outcomes specific to your needs including the tax efficiencies of your cover and whether your premiums are paid from your personal earnings or from within a superannuation fund. Your GFP adviser will also be on hand to facilitate benefit payouts and help you implement structures that are suitable for efficient and tax effective distribution of funds to you or your estate. At GFP, our client-first approach extends to all areas of your insurance cover. We can help guide you through the underwriting and claims process. Your insurance is not a set-and-forget approach. Grabowski Financial Planning works in an ongoing capacity to offer guidance for premium restructuring and reviewing changes in your personal circumstances that may affect your insurability.
Call us today on 02 4648 0431 to speak to our Adviser for all your Insurance needs.