A popular myth is that estate planning is only for the rich among us. However, any one who has property and wishes for a future generation will need estate planning.

Investing requires the trade-off of present income (consumption) for future income (consumption).

Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.

Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.

There is the expectation that you will need 4 to 10 times the amount you paid for your house.

A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners insurance protection is critical and strongly recommended.

Your broker works for you – not for the insurance company.

Estate planning can have a lasting impact on your family – though not as much as not doing it.

Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.

Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.

Everyone needs a financial plan for their life, from those with ten dollars to those with ten million. Life takes money – whether you plan or not.

Maintaining your quality of life after the diagnosis of a critical illness and dealing with financial commitments can cause hardship for you and your families. Critical illness insurance can protect your family's future.

The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.

The purpose of investing is to improve our future circumstances or future lifestyle.

Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?

International Medical Insurance

At all times, but especially in uncertain and difficult economic times, it is critical to focus on protecting yourself and your family. This is the time when you are least likely to want to fund your own medical care.

Real differences are likely to surround the level of cover offered by local plans and the level of coverage needed in event of a serious illness, accident or a major medical emergency. Your coverage may be much more limited than you think!!

IS YOUR INSURANCE ADEQUATE?

There are seven critical questions that you should be able to answer your health insurance:

How much insurance do you have and is it adequate in event of a major illness?
Could your insurance run out while you still need it?
Will your insurance terminate, or be reduced significantly, when you get older and really need coverage?
Will your insurance company allow you access to overseas care if you choose, without a significant financial penalty?
Is your coverage for life-saving medical procedures, such as organ transplants, sufficient to pay for the procedure?
Would an accident or illness, which requires over US$250,000 in medical care for you or a loved one, negatively affect your financial circumstances and plans?
Will you lose your insurance if you leave your job?

INTERNATIONAL MEDICAL PLAN

An international medical insurance plan, for you and your family, can provide:

A substantially greater level of health insurance cover: so that you do not “run out” of insurance
Greater ease and flexibility in accessing overseas care: especially when you have a medical condition and are looking for the best care possible for yourself or your loved ones
Portability as it is not dependent on the employer: your insurance is not tied to your job or dependent on what the employer provides
Health insurance coverage for life: your coverage does not disappear at a time when you need medical care, and medical insurance, even more.

There are a range of available plan options that make it possible to design a programme that is appropriate for almost any circumstance. And we have the expertise and the experience to work with you to create a cost effective health insurance solution that supplements or replaces your existing health coverage – the right coverage at the right price.

DID YOU KNOW?

You may be surprised to learn that one major illness could leave you with little or no medical insurance for the rest of your life. You may be even more surprised at the restrictions surrounding access to overseas care or at the size of your out-of-pocket expenses if you do go overseas for care.

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