At Brad Bell Financial Solutions our services include:
Life Insurance pays a lump sum benefit in the event of death or terminal illness.
The death or terminal illness of a family member can have serious financial consequences for the surviving family members. Having adequate cover in place can give you peace of mind, knowing that in the event of your death or terminal illness, your family will be financially ok and able to maintain their current standard of living.
In the event of your death or terminal illness, you may want to work out if there is enough money to pay off all debts and provide an ongoing income stream for your family.
Pays a lump sum benefit in the event of total and permanent disability as a result of sickness or injury. Total and Permanent Disability cover is held in conjunction with Term Life cover and the Total and Permanent Disability amount selected cannot exceed your amount of Term Life cover.
The inability to be able to ever work again can have serious financial consequences for you and your family. Having adequate cover in place can give you peace of mind, knowing that in the event of your total and permanent disability you will be ok financially and able to remain on track to achieving your financial goals.
In the event of your total and permanent disability, you may want to work out if there is enough money to cover any unexpected medical or hospital bills, pay off all debts and provide you with an ongoing income stream
Income Protection pays an ongoing monthly benefit of up to 75% of your regular income if you are unable to work as a result of sickness or injury. The benefit will continue to be paid for a specified period whilst you remain totally or partially disabled and premiums are generally tax deductible.
Your ability to earn an income is one of your most important assets if not the most important. Unfortunately, many of us insure our material possessions like our car and house and forget about ourselves. If you are dependent on your income to pay your bills and maintain your current standard of living, then you should consider Income Protection cover.
Income Protection cover generally covers up to a maximum of 75% of your regular income with a maximum benefit period of up to age 65.
Pays a lump sum benefit upon diagnosis of a specified medical condition. There are a number of medical conditions covered under Trauma Insurance , however the most common conditions claimed for are: Cancer; Heart Attack; Stroke and Coronary Related.
With the advancement of medical science, people are now surviving Trauma Insurance events that would have once resulted in an early death. This is great news, however we need to consider quality of life for someone after they have been diagnosed with a Trauma Insurance . The payment of a lump sum benefit upon diagnosis allows you to focus on your recovery, rather than worrying about your financial situation.
You may choose to use the proceeds from Trauma Insurance cover to access the best medical treatment available in the world, pay off some of your debts such as a mortgage or simply take some extended leave.
Business expense cover provides for 100% of fixed business expenses, if the business owner becomes totally disabled due to injury or Illness.
Business expense cover is specially designed for the self-employed individuals or members of a small business who need to cover their fixed business expenses if they cannot work due to injury or illness. It is vital for sole proprietors, who are generally responsible for the 100% of the fixed expenses of the business. It is equally important for small partnerships to work out if that each partner is covered for his or her share of business expenses. Premiums are generally tax deductible.
Key Person Insurance cover provides your business with a lump sum cash payment to compensate the financial loss your business my sustain in the event a key employee suffers a serious illness, disability or death.
Buy/Sell insurance, together with a buy/sell agreement between business owners that provides a mechanism for the outgoing Business owner or their nominee/Estate, to have a lump sum payment for the transfer of equity to the continuing owners, should any of the business owners die, become disabled, or suffers a traumatic or terminal illness.
Brad Bell Pty Ltd ABN 72 418 486 001 trading as Brad Bell is a Corporate Authorised Representative (No. 456039) of ClearView Financial Advice Pty Limited ABN 89 133 593 012 AFS Licence No. 331367.