Personal Insurance

Insurance to most is just another cost to add to the monthly outgoings and probably not high on the list of your favorite ways to spend money.

Protecting your lifestyle...

Like many people, you probably work hard and enjoy the benefits of a comfortable lifestyle as a result. Have you ever considered what would happen if you were unable to work, or if your finances were adversely affected by an unforeseen disaster?

Insurance is one of the ways you can protect your lifestyle and help ensure that no matter what happens in the future, you and your family will still be able to enjoy the standard of living you are used to.

Your options...

There are a number of different insurance options that can help you protect your financial future, including income protection and total and permanent disability insurance (TPD). Death insurance is also essential if you have anyone who depends on you financially. In the event of your death, having sufficient cover on your life insurance could mean that your family would be in a position to pay off any debts and maintain their standard of living after you were gone.

At H.A.M Financial Services we understand that there is no one universal approach to insurance, your circumstances and insurance requirements are as unique as you are.

We specialise in but are not limited to the following insurance options:

  • Insurance inside super
  • Death insurance
  • Total and permanent disablement insurance
  • Income protection insurance


H.A.M Financial Services is an Authorised Representative of RI Advice Group Pty Ltd ABN 23 001 774 125 AFSL 238429

General advice disclaimer:

The information (including taxation) on the H.A.M Financial Services Web Site is general advice only and does not constitute personal advice. It has been prepared without taking into account any of your individual objectives, financial solutions or needs. Before acting on this advice you should consider the appropriateness of this advice, having regard for your own objectives, financial situation and needs.

You should seek personal financial advice from a qualified financial adviser before acting on the advice. Consider a Product Disclosure Statement before deciding on a product.

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