A client’s need for life insurance may be for personal purposes such as protecting their family, or for business purposes, to protect all stakeholders in the event of an injury, illness or death of a key person/ shareholder.
With the wide range of insurance products in the marketplace, it is difficult to know which policies will not only meet your individual or business needs, but are going to provide you with the best benefits possible. Having the correct ownership structure is also an important consideration i.e. should the policy be owned by the individual, by the super fund/ SMSF or owned by your company.
Our Risk Management specialist will take the time to:
- Understand your specific needs
- Provide advice on amounts of cover you need and the correct ownership of the policy
- Identify which life insurance company will give you the policy that best suits your occupation and needs.
Bartons Financial Services* can also review any existing insurance policies you may already hold.
Please refer to the list below for information regarding the types of policies we have available as well as documents containing important statistics.
If you have any questions or concerns please feel free to contact us.
Term Life Insurance
Term life insurance provides a lump sum payment for your family to ensure that the plans you had for them can be achieved. It also enables the financial obligations of your business to be met.
Examples on payout figures for Term Life Insurance can be found by downloading the following document 
Claims Info - Term Life Insurance (343 KB) or alternatively to find out if this product is right for you contact us.
Total and Permanent Disability Insurance
Total and permanent disability insurance provides a lump sum payment if you suffer a sickness or injury and are permanently unable to work. This will help you pay the additional expenses that arise due to an ongoing sickness or injury.
Examples on payout figures for Total and Permanent Disability (TPD) Insurance can be found by downloading the following document Claims Info - TPD (325 KB) or alternatively to find out if this product is right for you contact us.
Trauma Insurance
Trauma Insurance provides a lump sum payment if you suffer one of a list of major medical traumas. This will assist you to obtain the best medical and rehabilitation care, and change your lifestyle.
Examples on payout figures for Trauma Insurance can be found by downloading the following document Claims Info - Trauma Insurance (256 KB) or alternatively to find out if this product is right for you contact us.
Income Protection Insurance
Income protection insurance provides a regular earnings replacement payment if you suffer a sickness or injury and are temporarily unable to work. This will help you maintain your lifestyle until you are ready to return to the workforce.
Examples on payout figures for Income Protection Insurance can be found by downloading the following document Claims Info - Income Protection (332 KB) or alternatively to find out if this product is right for you contact us.
Business Expenses Insurance
Business expenses insurance reimburses the owner of a small, self employed business for ongoing fixed business expenses while the owner is unable to work because of a sickness or injury.
Examples on payout figures for business expenses insurance can be found by downloading the following document Claims Info - Business Expenses Insurance (272 KB) or alternatively to find out if this product is right for you contact us.
15 reasons our clients use our services (106 KB)
* Bartons Financial Services Pty Ltd is a corporate authorised representative of Genesys Wealth Advisers Limited. ABN 20 060 778 216 AFSL 232686 Principal Member of the FPA.
