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Protection for when you can no longer work. TPD provides a lump sum benefit amount should you become totally and permanently disabled as a result of sickness or injury to the extent that you are unlikely to ever be able to work again. A lump sum paid out under a TPD policy can be used to pay off your mortgage and other debts, cover ongoing expenses associated with a serious disability such as fulltime care, rehabilitation and other medical costs, pay for home modifications or invested to provide for a income stream. Having sufficient cover in place should such an event occur provides you with peace of mind knowing that your financial future has been secured when you can no longer work. https://www.diversityfinancialgroup.com.au/general-insurance daily 0.75 2020-10-24 https://www.diversityfinancialgroup.com.au/disclaimer daily 0.75 2020-10-06 https://www.diversityfinancialgroup.com.au/business-loans daily 0.75 2020-10-24 https://www.diversityfinancialgroup.com.au/site-map daily 0.75 2020-10-06 https://www.diversityfinancialgroup.com.au/terms-of-use daily 0.75 2020-10-06 https://www.diversityfinancialgroup.com.au/privacy-policy daily 0.75 2020-10-06 https://www.diversityfinancialgroup.com.au/life-insurance daily 0.75 2020-11-02 https://static1.squarespace.com/static/5efc8bc18fbdf843f6085b37/t/5f6efe503ddb8e0b8ce538ba/1601112346267/AdobeStock_290239492.jpeg Life Insurance - Life Cover Security for those that matter the most. The big events in life are often planned such as travel, marriage, starting a family, buying a new home, however there can be other moments that take us by surprise. While the loss of a loved one is a difficult time for all, having inadequate or no life insurance can have a devastating financial impact on those left behind. Life Insurance provides your loved ones with a lump sum benefit amount in the event of your death or upon diagnosis of a terminal illness. Choosing the cover that is right for both you and your family’s needs provides peace of mind for when you need it the most. https://static1.squarespace.com/static/5efc8bc18fbdf843f6085b37/t/5f7b14dbe2032b170f2437b1/1601901850213/AdobeStock_285617290.jpeg Life Insurance - Total & Permanent Disability Cover Protection for when you can no longer work. TPD provides a lump sum benefit amount should you become totally and permanently disabled as a result of sickness or injury to the extent that you are unlikely to ever be able to work again. A lump sum paid out under a TPD policy can be used to pay off your mortgage and other debts, cover ongoing expenses associated with a serious disability such as fulltime care, rehabilitation and other medical costs, pay for home modifications or invested to provide for an income stream. Having sufficient cover in place should such an event occur provides you with peace of mind knowing that your financial future has been secured when you can no longer work. https://static1.squarespace.com/static/5efc8bc18fbdf843f6085b37/t/5f6f009d6994936d8facfc3d/1601110194815/AdobeStock_272668613.jpg Life Insurance - Income Protection Protecting your ability to earn an income Income Protection Provides a regular, ongoing monthly payment usually calculated at 75% of your current income plus superannuation should you become totally or partially disabled as a result of sickness or injury and you are unable to work. For most the ability to earn an ongoing income is our most valuable asset. Protecting that income is key to avoiding potential financial hardship should you suffer an illness or injury. Income Protection provides peace of mind that you can continue to pay the monthly bills therefore maintaining your current standard of living, lifestyle and independence while you are unable to work. https://static1.squarespace.com/static/5efc8bc18fbdf843f6085b37/t/5f6f00c180f1d571623a819f/1601710057243/AdobeStock_56476982.jpeg Life Insurance - Critical Illness Cover Giving you peace of mind in uncertain times. Critical Illness Cover, sometimes known as Trauma Cover provides a lump sum benefit amount should you suffer one of a number of specified injuries or serious illnesses. Many of us at some point in our lives will suffer an injury or be diagnosed with a serious illness such as cancer, stroke and heart disease. Critical Illness Cover gives you the financial freedom to access the best medical treatment, pay for your rehabilitation, and perhaps cut back on your work hours allowing you to concentrate on your recovery instead of worrying about the potential impact on your financial situation. https://static1.squarespace.com/static/5efc8bc18fbdf843f6085b37/t/5f782c10ce10ea2a4826e244/1601711269286/GettyImages-508066019.jpg Life Insurance - Accidental Cover Cover in the event of an accident. For some with a pre-existing medical condition obtaining cover can be difficult, or the cost prohibitive. In many cases where full cover has been declined the insurer may offer accidental cover which covers the insured should their sickness or injury be the direct result of an accident. The types of cover available under accidental include: Accidental Life, Accidental TPD Accidental Income Protection. https://static1.squarespace.com/static/5efc8bc18fbdf843f6085b37/t/5f782da0bb9a9f741d3d7c44/1601711603864/AdobeStock_29843130.jpeg Life Insurance - Child Cover For most people, particularly those with a young family, it makes perfect sense to secure one or more of the covers that fall under the banner of Life Insurance. i.e. Life, TPD, Income Protection & Trauma cover. However what we often overlook is what the financial impact could be if one of our children became seriously ill. Child Cover provides a lump sum payment in the event that the child is diagnosed with one of a number of specified serious illnesses or upon the death of a child. Depending on the insurer the minimum entry age is generally between the ages 2 and 18 and can only be applied for where at least one parent or guardian of the child has secured a Life Policy for themselves. https://www.diversityfinancialgroup.com.au/contact-us daily 0.75 2021-01-21 https://www.diversityfinancialgroup.com.au/our-director daily 0.75 2020-10-29 https://static1.squarespace.com/static/5efc8bc18fbdf843f6085b37/t/5f7a8562fffe982430e5f185/1601698674240/1_toppick_edit_2S1A3696-1%2Bcopy.jpg Our Director - Cameron Merritt Managing Director - Diversity Financial Group. Following a successful 25 year career in Project Management overseeing high valued infrastructure projects, Cameron made a decisive move into the Financial Services industry bringing with him a set of strengths and attributes that he instinctively applies across both his personal and working life. One such quality is his innate, natural instinct to help anyone he identifies as needing it. With an eye for detail, essential for anyone in project management, Cameron would establish what is today a truly boutique Financial Services business well known for exceptional service. One that gives customers access to an extensive range of quality financial products as well as other industry related services. An organisation where a firmly held belief of its Director would be applied as the company philosophy and included in a commitment to anyone walking through the doors of Diversity Financial. A commitment that Diversity Financial Group would deliver “An understanding service where honour, respect and compassion are part of the standard.”