Elsley Financial Group Cairns Insurance

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Income Protection

Elsley Financial Group specialises in providing LOSS OF INCOME due to ACCIDENT OR ILLNESS.

We specialise in the blue collar market and provide a range of policies with Accident only, Accident and Illness for Tradies with a full range of benefit period and waiting period. Premiums can be paid monthly, quarterly, half yearly or yearly. Self employed and employee plans that pay, when you cannot work!

These policies are fully tax deductable and are designed to make the monthly payments on House, Car and Living Expenses if you can not work due to the unforeseen accident or illness. Also loss of business income, can be an extra expense burden.

Life Insurance

Family: Cash to provide funds for a family to go on living, as well as meet Education needs required for Children.

A guarantee of "Tax Free Cash" to cancel debts of Mortgage, Bank Loans, Both Business and Personal, in event of Death or Total & Permanent Disablement.

Business: Cash for Buyout of Business Partners or Share Purchase, giving control of the business to the survivors. Also charitable gifts etc.

Elsley Financial Group specialises in providing Premium Refund or Money Back policies where appropriate.

Personal Insurance at a glance ...

Insurance Type	Description	Suitable for…
Life Insurance	Pays a lump sum benefit on death or terminal illness. Can be used to eliminate debt and help fund your family's ongoing living expenses. Optional Total and Permanent Disablement (TPD) Cover and Trauma Cover can be added.	Families with dependents. Anyone with debt who would not want their family to be burdened.
Total & Permanent Disability Insurance	Pays a lump sum if you suffer a permanent disability (according to policy definitions) that prevents you from working. Payments are generally not made until the disability has been evident for a period of six months, and until the insurer deems that you are unlikely to work again. This type of cover is an optional extra offered by most life policies.	Anyone who is currently working.
Trauma & Critical Illness Insurance	Pays a lump sum upon the diagnosis of a specified injury or illness. Cover is specific to a range of injuries and ailments such as heart attack, stroke, cancer and coronary artery disease (according to policy definitions). This type of cover is an optional extra offered with most life policies or can be brought as a separate policy.	Families with dependents. People who don't earn an income eg. non-working spouse.
Income Protection Insurance	Replaces up to 75% of your average annual income as a monthly payment if you are unable to work due to illness or injury. You can nominate when payments commence and the period the benefit will be paid for. Premiums are fully tax deductible for most people.	Families with dependents. Working singles. Self employed.

IMPORTANT : The information on this page is generic in nature and does not take into account your personal needs and financial circumstances and cannot be relied upon to determine what insurance cover you should establish. Elsley Financial Group recommends you read the Product Disclosure Statement and the Financial Services Guide before acquiring any product.

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