T: (08) 8298 4660

 

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OwnHome Pty Ltd
PO Box 345
Daw Park SA 5041
Email: sales@ownhome.com.au
Ph: 08 8374 4333
Fax: 08 8374 4233


Risk Insurance

Life Insurance

Life insurance provides a lump sum payment to your beneficiaries in the event of your death or if the individual suffers a terminal illness and death is likely within 12 months. Life Insurance provides much needed financial security in a time of uncertainty and can help cover debts and living expenses and applies to all life stages, whether you are young & single, young couple, young family, maturing family or a retiree with an empty nest.

Mortgage Protection Insurance

Mortgage Protection Insurance can provide peace of mind for borrowers that your family should not generally have to sell their home or investment property if they are unable to meet their mortgage repayments due to death or total permanent disability, temporary disablement or involuntary disablement. Most people understand life insurance but if you are unfortunate to go through an unforseen event such as being diagnosed with a critical illness then it makes sense to have mortgage protection insurance to ensure you can continue to meet your commitments during this time.

Total & Permanent Disability Cover - TPD

Total & Permanent Disability (TPD) Cover offers protection and financial peace of mind if the individual covered becomes totally and permanently disabled. Should a claim be made under this cover the TPD payment can be used to eliminate debt, pay ongoing medical expenses, make any necessary home modifications, or to hire home care services such as nursing, cleaning and cooking.

Income Protection

Income Protection Insurance is the first step in securing your lifestyle if something goes wrong such as becoming ill or injured and unable to work. If you are young, single, married and reliant on a regular income. If you have debts, a home loan, car payments to make, school fees and regular bills to pay, Income Protection Insurance could be the most important form of insurance you will ever use and in most cases it is also tax deductible. Income Protection Insurance is designed to keep income coming in, month after month, year after year on a regular basis while you are ill or injured so all you have to do is concentrate on getting better.

Financial Planning

A financial planner or personal financial planner is a practicing professional who helps people deal with various personal financial issues through proper planning, which includes but is not limited to: cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning (for business owners). In carrying out the planning function, the financial planner is guided by the financial planning process to create a financial plan; a detailed strategy tailored to a client's specific situation, for meeting a client's specific goals. Some of the reasons people use financial planners include:

  • Providing direction and meaning to financial decisions;
  • Allowing the person to understand how each financial decision affects the other areas of finance; and
  • Allowing the person to adapt more easily to life changes in order to feel more secure.

Before working with a comprehensive financial planner, a client must establish that the planner is competent and worthy of trust, and will act in the client's interests, rather than being primarily interested in selling the client financial products for his own financial benefit.

At OwnHome we have tried and trusted Financial Planner contacts and would be more than happy to refer you (click on Contact Us for more information)


 

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