Personal and Business Insurance Advice

Dobbrick Financial Services can provide you with personal insurance advice to financially protect yourself and your family in case anything unforeseen happens.

While many Australians insure their car, home and contents, their most valuable asset is often overlooked – themselves.

If something unexpected were to happen to you or your spouse, how would your family be affected financially? Could your debts be repaid? Where would the family’s new source of income come from? Would you, or could you, cash in your assets?

If something happened to you – would you be covered?

The types of insurance and amount of cover required differ for everyone. Essentially, you need cover to provide you with enough funds to maintain you and your family’s current lifestyle. We can advise you on the right amount of cover to suit your personal circumstances, contact us today.

If you want the peace of mind that comes with knowing that whatever happens in the future you and your family are financially secure, we can help.

Together with Dobbrick Financial Services, you can ensure your needs are met with the most appropriate types and amounts of personal insurance cover, contact us today.

  • Business Expense Insurance – Business expenses insurance reimburses the owner of a small, self-employed business for ongoing, fixed business expenses that continue to accrue while the owner is unable to work because of an illness or injury.
  • Buy/Sell Insurance – Buy/Sell Insurance provides a funding mechanism for the continuing owners of a business to purchase the share of an exiting business owner due to death or disability. This type of insurance is used in conjunction with a buy sell agreement.
  • Key Person Insurance – Key Person Insurance provides a lump sum payment to a business in the event of the death or disablement of an employee whose knowledge, work or overall contribution is considered uniquely valuable to the company.
  • Life Insurance – Life Insurance provides a lump sum payment for your family to ensure the plans you had for them can be achieved in the event of your death. It also enables the financial obligations of your business to be met.
  • Total & Permanent Disablement Insurance (TPD) – Total & Permanent Disablement Insurance provides a lump sum payment if you suffer an illness or injury and are permanently unable to work. This will help you maintain your current lifestyle while paying the additional expenses that arise as a result of an ongoing illness or injury.
  • Income Protection Insurance – Income Protection Insurance provides a regular earnings replacement if you suffer an illness or injury and are temporarily unable to work. This will help you maintain your and your family’s lifestyle until you are able to return to work. Without income protection insurance, John Kilpatrick would have struggled with financial insecurity at one of the most difficult times in his life. Read about his story here.
  • Trauma Insurance – Trauma insurance provides a lump sum payment if you suffer one of a list of major medical traumas (cancer, stroke, heart attack, etc) and will help you obtain the best medical and rehabilitation care and also give you the financial resources to make changes in your life as a result of the trauma.

“Insurance and Financial security is one of the most important tools required for any business and personal protection. Dobbrick Financial Services came highly recommended and upon our first introduction, I can understand why.

From the start they looked right into my requirements, focusing on insurance requirements and financial security for the future. Within days I was presented with a vast array of investment and insurance options.From here we could see the direction we needed to follow and Dobbrick Financial Services refined the initial drafts to produce the final polished portfolio.

I now have full confidence in my future financial security. I was overwhelmed with the professionalism and knowledge Dobbrick Financial Services offered and have no hesitation in recommending them.” James S

 

Dobbrick Financial Services - Personal and Business Insurance

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Rochelle StonePersonal and Business Insurance Advice