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Insurance Advice

The path to achieving financial security can sometimes be quite a journey, whether you want to fulfill a lifelong dream, leave a legacy for future generations, or manage your debt, we can help you achieve your goals.

Life Insurance

Life Insurance pays a lump sum to your family when you pass away. The proceeds can be used to clear debt, pay off the mortgage, pay for children’s education or otherwise secure your family’s financial future.

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Total & Permanent Disability (TPD) Insurance

TPD cover pays an agreed amount if you are unable to work ever again, due to an accident, injury or illness. You normally have to survive such a catastrophe for six months before the insurer will make payment.

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Trauma Insurance

Trauma, or Recovery, Insurance pays a lump sum on diagnosis of a serious illness. The illness must be one of the ones specified in your policy and the top conditions covered include cancer, heart attack and stroke.

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Income Protection Insurance

Income Protection, or Salary Continuance, Insurance pays up to 75% of your salary if you cannot work for a prolonged period, due to accident or illness. Your future earnings may well add up to more than the value of your current home, so protecting that future income is important for your ongoing financial health and plans for the future.

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Business Insurances

Got your own business? As an entity in it’s own right, and probably dependant on you (and possibly a couple of business partners) to keep the doors open from day to day, business needs a Risk Management Plan too.

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Ottavo Financial Group ABN 95 134 016 210 trading as Spencer Fuller and Associates, Dew and Partners, WealthInsure Financial Services Centre, Orange Financial Planning, and it’s advisers are Authorised Representatives of Fortnum Advice Pty Ltd ABN 52 634 060 709 AFSL 519190

Ottavo Financial Group

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