Income Protection

Income Protection insurance helps replace your income if you can’t work because of sickness or injury

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Income Protection

Income Protection insurance helps replace your income if you can’t work because of sickness or injury. You can select the type of cover that suits your need as all companies offer a full range of cover options to suit employees and the self-employed alike.

Consider this if you were lucky enough to scale that bean stalk and score a Goose that laid golden eggs, what would you insure? Each time the Goose lays you an egg would you insure them OR would you insure the Goose? Yes you would insure the Goose as without the Goose you won't get any eggs.

We are that Goose, we are laying these eggs by going out and working, earning money and then buying our eggs in the way of Cars, House, Jewellery, TV's etc. Once we have these items we insure them but if we were ever to lose that income then we are just going to slowly lose all those assets to continue living on or have them just taken away if we had loans and mortgages to pay.

Premiums are calculated by your occupation and your amount of monthly benefit. Most companies allow you to insure a maximum of 75% of income with a few allowing 80%. You also can choose benefit periods from 2 yrs to To Age 70 and waiting periods from 14 days to 2 years to suit your needs. You can even have a day 1 waiting period if you are off work from an accident.

There is all this flexibility so talk to us now. For more information contact Darren Cheek to discuss your needs Dip (financial Planning) Authorised Representative 238583.

Income Protection Services

Income Protection insurance helps replace your income if you can’t work because of sickness or injury. You can select the type of cover that suits your need as all companies offer a full range of cover options to suit employees and the self-employed alike.

For more information contact Darren Cheek to discuss your needs Dip (financial Planning) Authorised Representative 238583

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We offer our clients the convenience of a full suite of business, accounting and financial services all provided under the one roof. We can assist you with tax and accounting, business advice and planning, audit services, business coaching, risk management, life insurance and income protection, financial planning, financing solutions, wealth creation, investment advice and loan products.

*ODVS Financial Services Pty Ltd ATF The ODVS Unit Trust Trading as ODV Accountants & Financial Services is an Authorised Representative of Millennium3 Financial Services Pty Ltd | ABN 610 94 529 987 Australian Financial Services Licensee - Licence Number 244252 30 Hickson Road, Millers Point  NSW  2000 Phone 1300 129 450 Email: [email protected] www.millennium3.com.au

The information provided is general in nature. It has been prepared without taking into account any of your individual objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. This publication is prepared by IOOF for: Millennium3 Financial Services Pty Ltd ABN 61 094 529 987 AFSL 244252. This publication is not available for distribution outside Australia and may not be passed on to any third person without the prior written consent of the Advice Licensees. The views expressed in this publication are solely those of the author; they are not reflective or indicative of the Advice Licensees position and are not to be attributed to the Advice Licensees. They cannot be reproduced in any form without the express written consent of the author.