Risk Insurance

We can all accept that in the event of an unforeseen event, we need insurance cover. The challenge is determining what kind of cover you need at different stages of your journey. We recommend you consider risk insurance if you have family or debt that needs to be serviced regularly.

Risk Insurance divisions of BDHL Advisory can help you with this significant aspect of your financial plan. We will see how much you need to maintain your family’s living standards, or any financial commitments that would be jeopardised if your situation changed dramatically.

How Can We Help You?

Our team will assess your risks or needs and recommend the best ways to protect your assets, liabilities and income. We can provide risk retention alternatives through various excess options – I’d remove personally?

We will also recommend the best insurer to match the risk. And we will always provide prompt and timely service for your general insurance needs to keep you informed of issues that may affect your business – I’d also remove unless it’s related to general insurance like above.

Our expert partners MBS Insurance will advise you on how to incorporate and cover the major types of risk insurance available, taking into account your specific circumstances.

Our Services include:

Life/TPD Cover

Provides a tailored sum for your family in the event of death or permanent disability. This is typically used to provide insurance cover for debts (personal and business), offset the loss of income from disability, or provide your family with a sum of money to raise and educate dependents.

Trauma Insurance

Trauma insurance provides a tax free lump sum if you are diagnosed with a critical illness. Around 50 events are covered including cancer, stroke and heart disease. This type of cover is the most claimed upon product within the life insurance industry.

Income Protection

This cover is quite common and allows you to obtain 75% of your pre-disability income if you are unable to work due to injury, illness or disability. This type of cover is designed to provide you with an income if you are permanently disabled or while you recover and return back to work.