PERSONAL INSURANCEPROTECT WHAT MATTERS MOST.
Personal insurance is about protecting you, your family and your financial position if something unexpected happens. Having the right protection in place can be just as important as building your wealth.
At Rive Financial, we help you understand what cover you may need and how it can work alongside your broader financial strategy.
WHY PERSONAL INSURANCE MATTERSProtection for you, your family and your financial future.
Your ability to earn an income is often one of your most valuable assets, so having the right protection in place can be just as important as building your wealth.
We provide advice across the key areas of personal insurance, including life insurance, total and permanent disability (TPD), income protection and trauma insurance.
The right combination of cover will depend on your personal circumstances, financial commitments, family situation and the level of financial support you would need if you were unable to work or were to pass away.
TYPES OF COVERUNDERSTANDING
your options
01 Life InsuranceLife insurance provides a lump-sum payment to your nominated beneficiaries if you pass away. It can help provide financial security for your family and loved ones by helping cover mortgages, debts, living expenses and other financial commitments at a difficult time.
02 Total & Permanent Disability (TPD) InsuranceTPD insurance provides a lump-sum payment if you become totally and permanently disabled and meet the definition of disability under your policy. The payment can help cover ongoing living expenses, medical or rehabilitation costs, debts and other financial commitments if you are no longer able to work or support yourself in the same way.
03 INCOME PROTECTIONIncome protection insurance can provide an ongoing monthly benefit if you are unable to work due to illness or injury. It is designed to replace a portion of your income during a period when you cannot work, helping you continue to meet everyday expenses and financial commitments while you recover.
04 TRAUMA INSURANCETrauma insurance provides a lump-sum payment if you are diagnosed with, or suffer, one of the specified medical conditions covered by your policy. The payment can provide financial support during a serious health event and can be used to help with expenses such as treatment, rehabilitation, time away from work or other costs that may arise.
FINDING THE RIGHT COVERINSURANCE SHAPED AROUND YOUR CIRCUMSTANCES
The amount and type of insurance you need will depend on your circumstances, financial commitments, family situation and the level of financial support you would need if something unexpected happened.
Our advice starts with understanding what you already have in place, identifying any gaps and determining how much cover you may actually need. We then consider the different types of policies and how they fit within your overall financial plan, rather than simply recommending insurance for the sake of having it.
PROTECT WHAT MATTERS MOST
PROTECT WHAT MATTERS MOST
