Insurance Sobering Statistics

The three major areas of financial risk
What would happen to your financial situation if:

• You died unexpectedly?
• You suffered a major traumatic condition such as cancer, heart disease or stroke?
• You were unable to work due to sickness or injury?

Loss of home through mortgage foreclosureFor every house lost through fire, FOUR are lost through death and THIRTY EIGHT are lost as a result of disablement. We all insure our homes against fire, but most Australians either don't insure their income or their life, or don't have enough cover.
Premature death - "but it won't happen to me" - or will it? 
Chances of dying before age 65

Age	Male	Female
30	1 in 6	1 in 11
40	1 in 6	1 in 11
50	1 in 8	1 in 13

Personal tragedy needn't spell financial disaster!

• If you can't work due to sickness or injury, income protection can replace up to 75% of your income – and it is tax deductible!!
  
• If you suffer a major traumatic condition such as cancer, stroke or heart disease, mortgage protection insurance pays a lump sum benefit providing choice, flexibility and financial freedom.
• In the event of an unexpected death, mortgage protection insurance provides financial protection for your family at a time when it is needed the most.

What if sickness or injury prevented you from earning your income?

• Could you continue repayments on the mortgage?
• What about other debts such as credit cards, personal loans?
• How would you pay the bills – electricity, gas, food, telephone and so on?
• What about additional expenses you may incur. For example, medical costs, housekeeping and child care?
• If you have your own business, could you keep it operational?
• How long would it be before you had to dip into your savings to pay the bills?

General information only, please refer to your Mortgage Adviser for full details. Other costs and charges may apply.