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Personal and Asset Protection2018-07-07T14:09:45+10:00

Financial Performance Solutions

Personal and Asset Protection

A sickness or injury that may prevent us from working can strike any of us at any time. The impact can go far beyond your recovery to affect your family, loved ones and financial position. A risk management plan is the corner stone of every comprehensive financial plan. And can also play a tactical strategy with only protection is required.

When the unexpected occurs, Insurance obviously isn’t a physical cure, but it does take care of the emotional stress caused by increased financial pressures.

Ensure you have comprehensive insurance coverage to protect you and your family from the unexpected.

With the guidance of a Modoras professional, you can rest assured we will recommend a personalised plan to protect you, your family and your assets.

Protect your assets

Do you know what your biggest asset is? Most people would instantly think of their home. But in fact, your biggest asset is typically you. Your ability to earn an income. Have you thought about what would happen if you were not able to work for an extended period? The impact is often devastating. Putting the home and families lifestyle at risk.

Income protection

Income protection insurance pays you an income if you are unable to work.If your super fund allows, you have the option to pay for income protection within your superannuation fund, so your family cash flow is not impacted. Or you can purchase cover outside of superannuation where you can generally claim the premiums as a tax deduction. The best approach to take will depend on a number of factors specific to you and your circumstances.

Life Insurance

Life insurance, on the other hand, is where you insure yourself for a particular amount in the unfortunate event if you die.

Particularly if you have a family and a mortgage, this lump sum payment can be critical to ensure your family’s financial future is secure to cover their expenses or keep a business afloat.

Total and Permanent Disability

Life and Total and Permanent Disability (TPD) insurance is similar to life insurance but it also provides a lump sum payment should you face an illness or injury which totally and permanently stops you from working again.

Trauma / Critical Illness

Trauma insurance sometimes called critical illness insurance provides a lump sum in the event of suffering a specific injury or illness, for example, cancer.

Talk to a Modoras professional about which protection strategies are right for your personal circumstances. And protect yourself from the chances of an unexpected crisis having an impact on you and your family’s lifestyle.

Wealth management, financial and personal risk insurance services are offered through Modoras Pty Ltd. Australian Financial Services and Credit Licence No. 233209


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Financial Planning and Credit services are offered through Modoras Pty Ltd ABN 86 068 034 908. Australian Financial Services and Credit Licence No. 233209.
Accounting services are offered through Modoras Accounting (QLD) Pty Ltd ABN 81 601 145 215, Modoras Accounting (VIC) Pty Ltd ACN 145 368 850 and Modoras Accounting (SYD) Pty Ltd ABN 18 622 475 521

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