Your finances are specific to you. One size does not fit all.

Insurance and income protection

Income Protection

At Conlan Wealth we know that your stream of income is your most valuable asset. Our financial planners – in conjunction with our specialist referral partners – ensure that it’s secure with income protection. If you’re injured, sick or unable to work, your income protection will provide you with a replacement stream of income to protect you and your family.

Why you need a financial planner

Our referral partners will ensure you have the appropriate level of cover for your unique situation. With our guidance, they take into consideration your ongoing expenses including your debts, mortgage repayments and your dependents, and ensure you’re getting the cover required to maintain your assets and investments.

People often get caught off guard with their income protection. Our referral partners ensure our clients understand their policies, what will get paid after the claim and the specifics of what is covered. This will protect you from any nasty, last minute shocks. In the event that income protection is needed, we know there’s a lot going on. So you’ll rest easy knowing your income is protected and your ongoing expenses are taken care of.

Life Insurance

Providing your loved ones with financial security after the worst happens is at the back of everybody’s mind. At Conlan Wealth we will work with our referral partners to ensure your wealth is protected from the unexpected. They will help you choose a policy that will provide your family with financial security if you die or are diagnosed with a terminal illness.

Their experienced team will help you keep on top of your life insurance policy. In our years of experience we have found that policies can quickly become out dated and people are left with an inadequate level of cover. Your policy needs to reflect major life changes including:

  • Additions to the family
  • Property acquisition
  • Career changes
  • New assets

Your life insurance policy will get paid out in a lump sum payment so you need to be certain it will cover your expenses. Our referral partners will advise you on the level of cover you’ll need to insure you can:

  • Pay off your mortgage
  • Clear your debts
  • Continue household expenses
  • Cover funeral costs
  • Pay your children’s education
  • Have financial freedom for the future

This is always a difficult time and having your finances in order and your life insurance up to date is one less thing to worry about.

Conlan Wealth’s referral partners will assess your unique situation including your medical history and financial situation to determine an appropriate level of cover for you and your family. Get started today.

Total and Permanent Disability (TPD) Insurance

Total and Permanent Disability (TPD) insurance aims to ease some of the financial pressure in the the event that you suffer an illness or injury which leaves you totally and permanently disabled, to the extent that you will probably be unable to work again in your occupation or in any job. A lump sum benefit is paid, which can put towards to eliminating debts, paying for medical expenses, or funding permanent changes your lifestyle may require.

Income protection insurance helps to cover some of your income when you are unable to work due to illness or injury, but where your situation changes and you are permanently unable to return to work, TPD insurance can assist with a lump sum of money to help you make the necessary adjustments.

Trauma Insurance

Trauma insurance provides you with cover should you found yourself unable to work due to serious injury or illness. An agreed lump sum payment is made to cover immediate medical expenses and other financial needs, such as bills and home loan repayments, when a critical illness is diagnosed or a serious injury occurs.

While you are unable to work due to illness or injury, income protection helps to replace a portion of your income – but the lump sum of money trauma insurance can provide enables you to focus on your life and recovery without worrying too much about your finances.

The management of finances and income in retirement can be a confusing, complicated and time consuming business. Andrew has diligently and carefully guided us through this mine-field of decisions and necessary constant paperwork Andrew's broad knowledge and skills along with Sheree's attention to detail and calm manner make them a formidable team. They make Conlan Wealth our choice of financial planners for a happy no stress retirement.

Gowan & Judy Geelong
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