Risk insurance policies are financial products that will pay the policy holder if the ‘insured event’ – such as becoming unwell and being unable to work – happens.
Insured events include things like temporary illness, permanent illness, temporary injury, permanent injury, or the premature death of the insured person.
Risk insurances insure your good health, which is actually your most important financial asset. That is why risk insurances are almost always the essential first step in any financial plan. Insuring yourself against a loss of income or earning ability allows you to ensure that life for you and your loved ones goes on with the quality you want, even if something unwanted happens.
We provide the complete range of risk insurance services: death cover, total and permanent disability (TPD), income protection and trauma cover. We help you calculate the type and amount of each cover that you might need, as well as discuss other ways that you can protect yourself against financial loss.
We also show you how to minimise the premiums, especially after-tax, without unnecessarily compromising the quality of the policy or the level of cover that you acquire.
If cash flow is tight, we can assist you to find ways to insure yourself that minimise the demands on your day-to-day income. And, of course, as financial planners we can help you find ways to enhance your income. This makes everything more affordable, not just your insurances.
Financial Adviser / Director
Born and bred in Newcastle, Nick is passionate about helping people achieve their financial goals.
Having completed a Bachelor of Finance degree and the FPA’s internationally recognised Certified Financial Planner® course, Nick is well versed on the technical aspects of providing financial advice. With over 10 years’ experience in the financial advice industry, he understands the value of reputation in the hunter and focuses on establishing long term relationships with the people he assists.
Throughout his career, Nick has provided advice to people from all walks of life including high net worth individuals and successful business leaders. The scope of this advice has been wide ranging from simple savings plans to sophisticated Centrelink, pre-retirement and investment strategies.
It is Nick's goal to always display the highest level of integrity and ethical behaviour in all circumstances. This is evidenced by his membership of the Financial Planning Association and the Hunter Young Professionals.
The vast majority of people Nick assists come from word of mouth and appreciate his no pressure methods of simplifying and improving their financial situations through continuous communication and support.
Nick is always interested in sharing his knowledge so feel free to contact him on 0425 345 128 or email@example.com
Nick Shanley is an authorised representative (338220) of Futuro Financial Services Pty Ltd (AFSL 238478).