LifeInsurance

Private Capital Management

Life INsurance

Life insurance pays an agreed lump sum benefit upon death of the life insured, with the lump sum calculated during the financial planning process and is confirmed at the time of underwriting.  The proceeds from life insurance can be used to replace lost income, paying beneficiaries of an estate, to pay down debt or even leave to a charitable organisation.  Furthermore, life insurance can also be structured to pay business expenses.

Life insurance is generally available from ages 15 to 75 subject to underwriting – with insurance obtained through financial planning having an expiry date much higher than group insurance found in super or obtained directly.  It is important to note that some hazardous occupations may be excluded from life insurance, and Private Capital Management can help you understand what occupations are covered.

Partnering with Private Capital Management, we will ascertain your optimal level of cover using a tool called a Needs Analysis.  Your Needs Analysis will consider your assets, liabilities and expenses (and even funeral costs if required).  We will then match your requirements to the appropriate level of cover with leading insurance providers which are well known for paying claims when needed.

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THE BENEFITS OF OBTAINING LIFE INSURANCE THROUGH PRIVATE CAPITAL MANAGEMENT

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The Payment of a Death Benefit to Support Your Loved Ones

Life insurance provides a lump sum benefit should you pass away to support lost income, paying beneficiaries of an estate, to pay down debt or even leave to a charitable organisation

THE ABILITY TO OBTAIN A LUMP SUM BENEFIT IN THE EVENT OF A TERMINAL ILLNESS TO MAKE LIFE COMFORTABLE

Life insurance provides a lump sum benefit if you are diagnosed with a terminal illness so these funds can be used to make life more comfortable

THE PAYMENT OF A FINANCIAL PLANNING BENEFIT TO COVER CLAIM COSTS

Life insurance provides a benefit to cover the cost of financial advice to assist with the managing or investing your claim, meaning that when you use Private Capital Management to implement your insurance, we manage the claims process from start-to-finish

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THE ABILITY OF FREEZE YOUR PREMIUMS TO REDUCE YOUR COSTS

Using our panel of leading insurance companies, your life insurance will have the ability to keep premiums fixed each year by reducing the sum insured

COMPLIMENTARY FAMILY FINAL EXPENSES

Our panel of leading insurance providers allow for a lump sum benefit should dependent children be diagnosed with a terminal illness or pass away – providing even greater support for your family

WHAT TO INCREASE YOUR COVER? GUARANTEED FUTURE INSUREABILITY

As life changes, you will want to increase your life insurance cover.  If certain life events occur, you will have the ability to increase the amount of cover without the need to provide any further health evidence.  This is one distinct advantage obtaining insurance through a financial planner

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The Ability to Pay Final Expenses

Life insurance has the ability to cover any financial expense of a set limit if you pass away