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Insurance & Super Advisory Services

Have in place a personal protection plan for yourself & loved ones

In the event of death, disability or critical illness, financial obligations such as mortgage and debt payments need to be considered. With an inadequate insurance policy, loved ones may be financially disadvantaged. Additionally, family members may need to sell off assets to cover living and medical expenses. It is essential to determine whether personal or home insurance coverage is adequate to sustain the lifestyle and medical expenses of those affected.

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Life Insurance

TPD Cover

Income Protection

Critical Illness

Know your personal protection plans. Our specialist risk advisers can help you structure your life, TPD, income protection, and trauma covers. Get the right advice to ensure you have the most suitable protection for your needs.

Life Cover

Life insurance

This insurance cover provides greater comfort to the family or loved ones of the insured person in the event of death. It offers a lump sum payment which can be used to pay off any debts, cover daily expenses, or be invested.

  • Insured can apply for cover ranging from $100k $1m+
  • Provides  financial protection to dependents in case of the insured‘s death
  • Cover  is generally taken out by people with debts, low/no income producing assets, dependants, or other relevant personal circumstances
  • Premiums may be tax deductible depending on the structure used to purchase cover 
  • Premiums can be paid via super fund or self–managed superannuation fund
  • Discounts available include 17.5% off base premiums and 3–year rate guarantee.

Income Protection

Income protection insurance

This income protection cover provides you with financial security in the event of an accident or sickness. It ensures that you will continue to receive an income to support yourself and your family, replacing the income you would have earned from work. This cover helps to avoid financial stress in difficult times.

  • IP cover provides a financial safety net of up to 75% of income plus super.
  • Designed to secure lifestyle and ensure cash flow needs and loan repayments are met in case of temporary disability.
  • The benefit is paid in monthly instalments.
  • Discounts available, including 7.5% and other discounts based on eligibility criteria.
  • Cover costs can be structured through superannuation or funded with personal cash.

Total & Permanent Disability (TPD)

Financial Planning Licensee

In the event of a person suffering a severe accident, injury or sickness, Total & Permanent Disability (TPD) cover can provide financial support in the form of a lump sum payment. This payment can be used to pay for medical and lifestyle expenses, mortgage repayments, home modifications or investments.

  • Cover offers similar features and benefits to a Life cover
  • Two  definitions available: Any Occupation and Own Occupation
  • Specific  benefits for each definition – Tax deductible
  • Premium  can be paid with superannuation money or personal cashflow if held outside super.

Trauma Cover

Critical illness insurance

Critical Illness or Trauma cover provides a lump sum payment if you are diagnosed with certain medical conditions, such as a heart attack, cancer, or stroke. This lump sum can be used to cover expenses related to recuperation, like home modifications and specialist medical care, so you don‘t have to worry about the financial burden.

  • Cover is available outside super
  • The minimum entry age is 18, and maximum is 60
  • The minimum sum insured amount is $25,000
  • The cover is usually the most expensive personal insurance cover
  • ANIG WM Advisers provides full support and assistance to clients throughout the claim process.

ANIG WM is the home of professional Financial Planners and Specialist Risk Advisers. With our personalised approach, you can trust that your financial future is in good hands.

Message from our Risk Advisers

Experience our expertise in Risk Management advisory and investment services by making us your specialist Risk or Insurance advisers. It is essential to determine whether personal or home insurance coverage is adequate to sustain the lifestyle and medical expenses of our clients and their loved ones.
Work with an authorised ANIG WM Adviser

ANIG WM is a diversified financial services dealer group that provides professional guidance, support and advocacy to advisers. We provide licensing and comprehensive support services to financial advisers across Australia.

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