DBT Financial Solutions services clients across metropolitan Perth and regional WA. Primarily weprovide specialist life risk insurance advice
|Monday||9:00am - 5:00pm|
|Tuesday||9:00am - 5:00pm|
|Wednesday||9:00am - 5:00pm|
|Thursday||9:00am - 5:00pm|
|Friday||9:00am - 5:00pm|
There are basically four types of insurance cover available which we offer advice on. Each of these types of insurance come with their own individual complexities. These policies can be used for both personal and business purposes. The four different cover types are as follows:
A life policy will pay the beneficiary a lump sum upon the death of the insured. Beneficiaries are usually a spouse and will allow for full clearance of a mortgage, future education expense for children, and lost earnings if necessary.
Policies can be owned by, and/or paid by, a business. The proceeds of the life policy would be used to buy the deceased owner's share of the business. The funds therefore finish up in the hands of the deceased's estate.
Total & Permanent Disability (TPD)
A TPD policy will pay a lump sum to the insured person, should they become ill or suffer an accident, and effectively be in a position whereby they are never going to return to work again. Again funds will be designed to ideally extinguish all debt, cover school costs for children, and replace lost income.
For businesses these policies can be owned and paid for by the business. The proceeds will then be used to buy the departing owner's share of the business, thereby providing him/her with an exit strategy. Without an insurance policy, the continuing business owners may not be in a financial position that allows them to buy this share.
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