★★★★★
He has always sought the best options for us and has provided sound advice as our circumstances charged over time.
★★★★★
Thanks to his support, I was able to secure several policies with some exclusions but no premium loading, which was a much better outcome than I had expected.
★★★★★
Greg has gone above and beyond to help myself and my partner sort out our insurances
★★★★★
Greg was kind and understanding and helped me navigate the system. I now have insurance and it was minimal hassle at my end.
★★★★★
Greg was amazing to work with and really helped me receive the insurance I wanted for my financial protection when no others were able too.
Protect Yourself and Your Family
Safeguard your income so you and your loved ones can enjoy financial security. Get an obligation-free consultation from Absolute Insurance by completing the form below.
Reduce Your Financial Risk
We all insure our cars and houses… But if you don’t protect your livelihood, that’s all for nothing. Why would you risk it?
Insurance is about creating a safety net in case the worst should happen. You’re not jinxing yourself or tempting fate to think about the ‘what ifs’ of premature death, illness or injury, just reducing your and your family’s risk of financial hardship by getting the right insurance for you. Plus, if the unthinkable does happen, who wants to even be thinking about money?
No-one who’s needed personal insurance has ever complained about having it either! One client died aged 56, leaving behind his wife and a son with Autism. Thanks to having Life Insurance, their whole mortgage was paid off and the Income Protection Insurance payments continued for another 6 weeks… His wife then had $250,000 left over that she could invest towards her and her son’s futures.
If our client had died without these invaluable insurances, his family would still really be struggling.
Who Needs Personal Insurance?
Anyone who:
- Earns an income
- Has significant assets
- Is in debt (e.g. mortgage)
- Has children and other dependents
- Has a spouse or long-term partner
- Runs a business
- Is in a business partnership arrangement
Protect your loved ones and the life you’ve created for yourself!
Our Free Claims Process
Absolute Insurance doesn’t charge you for helping with any claims. It’s just part of our service.
Life Insurance
Think of how much you earn and how many years you’ll be working… Could your family cope without that income?
Life Insurance:
- Covers you if you die prematurely or become terminally ill
- Pays a cash lump sum that your family can use for debts, education fees and living expenses
- Enables your family to invest and create ongoing income
This is the easiest of the insurances to get.
Trauma Insurance
Not all serious medical conditions mean permanent disability, but they can still have serious financial impacts.
Trauma Insurance:
- Gives you specific coverage for a wide range of medical events (e.g. heart attack, cancer, stroke, amputation, Alzheimer’s)
- Pays a cash lump sum
- Enables you to de-stress your life and ensure a strong recovery (e.g. fund living expenses and medical treatments, pay off debts or even reduce your work hours)
People usually opt for this insurance to cover conditions they know they have a family history of (though these may also be covered by Life Insurance).
Key Person Business Insurance
Do you rely on the expertise of a business partner or key employee? What would happen if they pass away or become disabled?
Business Insurance:
- Covers the death or disability of your business partner or a specific employee
- Pays a cash lump sum to your business to cover any associated financial costs (e.g. loss of knowledge, debts, training a replacement, rebuilding your clientele)
- Ensures business continuity and minimises the impact on everyday operations
This insurance enables business partners to insure each other and allow a smooth transfer of ownership to the surviving partner.
Income Protection Insurance
What would happen if you’re incapacitated and need longer to recover than your paid sick leave will allow for?
Income Protection Insurance:
- Gives you broad-based illness and accident coverage
- Pays up to 75% of your gross annual income monthly, to spend for a period you nominate (usually up to age 65)
- Generally has tax-deductible premiums
You can choose your waiting period, with options from 14 days up to 2 years.
Total and Permanent Disability (TPD) Insurance
Becoming disabled could be devastating, both personally and financially. How would you manage without an income long-term?
Total & Permanent Disability (TPD) Insurance:
- Pays a cash lump sum if you become permanently disabled (as defined in the policy and verified by doctors)
- Enables you to focus on your rehabilitation and wellbeing, knowing your expenses and debts are taken care of
- Is typically added to your Life Insurance as an additional benefit
You can decide whether to cover ‘any occupation’ (i.e. not being able to work at all) or ‘your occupation’ (i.e. not being able to work in the job you’re qualified for).
Child Trauma Insurance
What would you do if your child became seriously ill? Could you afford to take time off work while still paying for their medical treatments?
Child Trauma Insurance:
- Gives you specific coverage for a range of child-related medical conditions
- Pays a cash lump sum
- Enables you to devote your focus to your child’s recovery, by paying for their medical treatments and rehabilitation or serving as replacement income if you need to take time off work
Every $10,000 of Child Trauma Insurance coverage will only cost you about $1 per month.
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Claim Your Obligation Free Consultation
If you want to find out more, but not sure where to start, contact us today. We are happy to meet at a Perth location convenient to you to discuss how our insurance solutions can help you.
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Reviewed by
Principal · Advanced Diploma of Financial Planning (Deakin University), Bachelor’s degree (Edith Cowan University)
Greg Maguire reviewed this page to make sure the information is accurate and reflects current insurance practice. It is general advice only and does not take your personal circumstances into account.