Live & Online Events

6:30pm AEDT Thurs 21 Nov – FREE online Q&A with Cass – click here to join or enter Meeting ID 421 928 057 814 Passcode oXKb2z

Sat 7 Dec‘Ideas for Uncertain Financial Times’ seminar with Cass, Mt Gambier, South Australia (more details coming soon)

12:30pm AEDT Thurs 16 Jan – FREE online Q&A with Cass – click here to join or enter Meeting ID 462 500 612 451 Passcode SmrGWX

*all times AEDT (Canberra time)

Why do I need personal insurance?

Protection against life’s uncertainties is sensible financial management. Investing in personal insurance will ensure that you and your family can continue to enjoy the quality of life that you want. Having insurance can provide financial protection for your family’s personal needs. Insurance can be structured to provide for such things as the repayment of your debts upon death or disability, financial assistance for dependents and protection against the loss of income.

You insure your car and your home. But NOTHING is more important than your life and your ability to make a living. So it makes good sense to insure your greatest asset – YOU!

Read our Financial Services Guide for more information.

What is life insurance?

Life insurance is a protection against financial loss that would result from the premature death of an insured. The Beneficiary receives a lump sum which is agreed upon at the time the protection is taken out and is thereby safeguarded from the financial impact of the death of the insured.

What is TPD Insurance?

TPD cover pays a lump sum to assist with general living costs & medical expenses etc. if you become totally and permanently disabled and are unlikely to ever work again in either an occupation for which you are reasonably qualified for by education, training and experience or your own occupation, depending on which “occupation category” is chosen.

What is Trauma Insurance?

Trauma insurance pays you a one-off lump sum if you have a serious medical condition e.g cancer, heart attack, stroke or an accident. You could use the benefit to pay medical conditions, replacement income or anything else to assist with recovery.

What is Income Protection?

Income protection cover offers to pay you a monthly benefit if you are unable to work for a certain period of time because of illness or injury. This insures you for a set level of your income (commonly 75% of your gross salary) and will pay you at that level until you are able to return to work or for the agreed period of time – whichever is sooner.

David Siostrom is an Authorised Representative No. 250400 of Wholistic Financial Coaching Pty Ltd Corporate Authorised Representative No. 405607 of NextGen Financial Group| AFSL 240938 | ABN 12 055 622 967.

The information provided on this website has been provided as general advice only. We have not taken into account your financial situation, objectives, or needs. You should therefore consider the appropriateness of the information and advice in light of your own personal situation before acting on the information provided. If the information relates to the acquisition of a particular financial product, you should obtain a Product Disclosure Statement (PDS) and consider it before making any decision.

NextGen Financial Group Pty Ltd:
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Email Address: enquiries@ngfg.com.au       Head Office: 1300 133 511

Lauren Styles, Authorised Rep 1259584 and The Smart Fox Pty Ltd, Corporate Authorised Rep Number 1267500 are authorised representatives of Millennium3 Financial Services Pty Ltd (ABN 61 094 529 987, AFSL 244252).

The information provided on this website and any resources available through it have been provided as general information only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances, or needs of any individual have been taken into consideration in the preparation of the content.  Financial products entail risk of loss, may rise and fall, and are impacted by a range of market and economic factors, and you should always obtain professional advice to ensure trading or investing in such products is suitable for your circumstances.

Under no circumstances will any of The Smart Fox Pty Ltd, Millennium3 Financial Services Pty Ltd, its officers, representatives, associates, or agents be liable for any loss or damage, whether direct, incidental, or consequential, caused by reliance on or use of the information on this website. From time to time, Lauren Styles and The Smart Fox Pty Ltd representatives or associates may hold interests in or transact in companies or products mentioned herein and may receive fees or other benefits, in connection with the making of any recommendation or facilitating a transaction in such companies or products.