Insurance is most useful when it is linked to a specific financial risk. AMGENT looks at what would need to be funded, for how long, who would be affected and how existing super, assets, business agreements and estate arrangements change the need for cover.
The financial exposures insurance is intended to protect
Life insurance
Assess debt, family income, dependants, estate liquidity and the capital that may be required if a key person dies.
Total and Permanent Disability (TPD)
Consider the financial impact of permanent disability and how TPD cover interacts with superannuation, debt, living costs and longer-term investment needs.
Income protection
Review how long household and business cash flow could continue if illness or injury interrupted work, and how policy terms fit that exposure.
Business ownership risk
Consider key person, buy-sell, debt and succession funding needs where the health or death of an owner can affect control and business continuity.
Policy review
Check sums insured, ownership, beneficiaries, definitions, waiting periods, benefit periods, premiums and the role of cover held inside super.
Claims and post-claim planning
If a TPD claim arises, move from policy support into the tax, super, cash-flow and investment decisions that may follow a payout.
Map the business exposures before discussing cover.
Use the Business Insurance Analysis Suite to organise debts, ownership funding, key-person and liquidity amounts alongside existing cover.
Need help with an existing TPD claim?
AMGENT has a dedicated TPD Claims Advice & Support pathway, including an educational tax component estimator.
Insurance recommendations depend on your goals, financial situation, needs, health and underwriting information, existing cover and the areas AMGENT is authorised to advise on. Existing policies should not be cancelled or replaced without understanding the consequences.