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  • Financial Advice
  • Investing
  • Superannuation
  • Personal Insurance
  • Retirement Planning
  • Estate Planning
  • Cashflow and Budgeting
  • Contact

Personal Insurance Advice Norwest Sydney

When was the last time you reviewed your life insurance?

What would happen to you and your family if you could not work because of injury, illness, or death?

Sadly, the answer to the first question for a lot of working people in Norwest Sydney is either never or not for a long time. And the answer to the second question is usually a financial catastrophe. 


The ability to earn an income before you retire is of critical importance to you. Income is the fuel that keeps your financial engine going and builds your assets for the future. If the family no longer has its main sources of income, then everything tends to collapse. 


Home and car loans can’t be paid back, bills can’t be paid, school fees fall due, and it can be hard to even put food on the table. This can be a very serious and financially distressing event. 


You might think that 

  1. You are bullet proof and nothing will happen to you, but how can you be sure you won’t have a heart attack, get in a serious car accident, or get diagnosed with cancer? 
  2. The government will come to your rescue. Not necessarily, even if you do get some government benefits, it is likely that they would be far below the income you need, and are accustomed to.
  3.  But, I already have private health insurance. Sorry, private health insurance only pays for some hospital fees. It does not pay for all your other costs in life. 


The frightening thing is that the chances of something happening over the course of your working life are a lot higher than you think. Especially when you combine the chances with a partner. 


This is all very avoidable. All you need to do is to have your insurances properly reviewed by a professional. That way you will have a solid plan B in place. Plan A is generally to build wealth and hope that nothing happens to you, but you also need to have a plan B in place. This is so that you and your family are not financially destroyed by a serious health event that turns into a serious financial event. 


There are 4 major types of personal insurance that you need to have reviewed. They all work together to provide a secure plan B. They are shown below. 

3 Reasons to Book Your Complimentary Life Insurance Check Now

  1. You will be taking the first step to make sure that you and your family are financially protected. 
  2. You will be meeting with a licensed and qualified Financial Advisor from Smart Wealth Financial, so you are in good hands.
  3. Smart Wealth Financial can advise across all the major insurances which means that you get the right cover for you at the right price. 

Book your Complimentary Life Insurance Meeting - Click Here

Life Insurance

Income Protection Insurance

Income Protection Insurance

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 A lump sum is available upon death or terminal illness. This can help support your dependants to maintain living standards or pay off debts. 

Income Protection Insurance

Income Protection Insurance

Income Protection Insurance

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 A monthly income stream to help support you if you are temporarily unable to work due to illness, accident or injury.

Total and Permanent Disability Insurance

Total and Permanent Disability Insurance

Total and Permanent Disability Insurance

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 A lump sum is available to help support you if you are totally and permanently disabled due to illness or injury. 

Trauma Insurance

Total and Permanent Disability Insurance

Total and Permanent Disability Insurance

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 A lump sum to help support you if you are diagnosed with a specified major medical condition and are still alive (e.g. heart attack, stroke or cancer). 

In addition, there are other things you need to have considered

  • How much of each cover you need? 
  • How will it be structured? 
  • Will some of the policies be owned and paid for by your superannuation?
  • What options do you need? 
  • The quality of insurance contract terms needed, as they are certainly not all equal?
  • How will they interact with each other? 
  • How will you fund the premiums? 
  • Which are the best insurers for your situation? 


As you can see getting your personal insurances including your life and income protection insurance is a very important area. It is also complex to get right, and be optimised to your situation. 


But, there is no need to worry or be overwhelmed, a qualified and licenced Financial Adviser from Smart Wealth Financial can work all this out for you. We can sit down and understand your situation, needs, and affordability and then work out a secure protection plan for you. 


Don’t risk living another month without proper protection in place. The risks are just too high. Book in your complementary life insurance meeting today. 

3 Reasons to Book Your Complimentary Life Insurance Check Now

  1.  You will be taking the first step to make sure that you and your family are financially protected. 
  2. You will be meeting with a licensed and qualified Financial Advisor from Smart Wealth Financial, so you are in good hands.
  3. Smart Wealth Financial can advise across all the major insurances which means that you get the right cover for you at the right price. 

Book your Complimentary Life Insurance Meeting - Click Here
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Smart Wealth Financial

44/11 Brookhollow Ave, Norwest, NSW 2153, AU

02 8814 1918

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The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where necessary, seek professional advice from a financial adviser.


Smart Wealth Financial Pty Ltd ACN 610 561 718 t/as Smart Wealth Financial is a Corporate Authorised Representative of Synchron AFS Licence No. 243313