Infuse Life | Perth Risk Insurance Specialists

RISK INSURANCE SPECIALISTS

Looking after you, your family and your business

ABOUT

Amien Sym is an award-winning adviser and the Director of Grange Risk Solutions. He has over 20 years’ experience in the financial services industry with specialist knowledge of personal insurance requirements for Executives, Professionals and Business Owners.

Married with four children, Amien spends most of his weekends heavily involved with the Perth Redbacks Basketball Club.

SERVICES

PERSONAL RISK INSURANCE

There are a number of insurance options to help protect you and your dependents and minimise financial stress when dealing with the other challenges that come from life-changing events.

Life, Total and Permanent Disability Insurance

Life and Total & Permanent Disability (TPD) Insurance is all about giving the people you most care about financial security in a situation where you are no longer alive to support them or unable to ever work again.

Unfortunately, many Australians don’t have enough or any Life and TPD Insurance because of some common misconceptions like:

My partner will just go back to work

But ... Will they get the right job when they need it? Will that job pay them a sufficient income? Who will look after the children while they are at work?

We have savings

It's worth noting that to provide an ongoing income of $40,000 for 10 years, you would need $375,000 in savings.

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Life and TPD Insurance pays a lump sum benefit in the event you die, suffer a terminal illness or are unable to ever work again. It allows you to secure the family home, invest for ongoing income and pay down all debts.

Critical Illness Insurance

Critical Illness Insurance puts you in a position of choice should you suffer from a serious injury or illness. You can choose the type of treatment you want, take extra time off work and recuperate, pay for child care and meet daily living expenses.

Unfortunately, many Australians don’t have enough or any Critical Illness Insurance because of some common misconceptions:

I will be covered by Medicare and/or Centrelink

Medicare does not cover all medical treatment and medicare costs. This is particularly important to understand if you were to seek medical advice and treatment overseas. These costs would not be covered by Medicare. Additionally, Medicare will only cover medicines listed on the PBS.

I’m not working

Are you busy running a household? What happens to your family when something happens to you? If your partner is working full time, how will you and your family cope?

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Critical Illness Insurance pays a lump sum upon diagnosis of a serious injury or illness.

Income Protection Insurance

Suddenly you are unable to work and it could be for a number of medical reasons. The Doctor has said you need to take time off but how will you survive? You don't really want to drain the hard-earned savings you have built up over a long time.

Many Australians don’t have enough or any Income Protection Insurance because of some common misconceptions:

I will be covered under Workers Compensation

Workers Compensation only applies if you are injured during working hours or for an illness directly resulting from your employment. If you’re self-employed, you may not have Workers Compensation.

I can’t afford it

Income Protection premiums can be funded by you or your Superannuation. If you pay the premiums, then it’s tax-deductible to you. Working with an Insurance Specialist is important to build an affordable Income Protection Insurance strategy.

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Income Protection provides you with a monthly benefit to help you continue to pay the bills, your mortgage or rent and day to day living expenses. Income Protection Insurance takes away of the stress mounting expenses can cause.

BUSINESS RISK INSURANCE

Business Risk Insurance looks at the key people who drive the business’ success and puts a plan in place to keep the business running when faced with unexpected events.

Key Man Insurance

Are there key people within your business that contribute substantially to its management, revenue or innovation? Insuring these key people can be the difference between a business folding or surviving.

A Key Man Insurance policy will provide the business with a lump sum to hire and train a replacement, replace a loss of revenue or inability to transact business. If a temporary illness or injury has been suffered, a policy here will provide rehabilitation for the Key Person and get them back to work sooner.

The Key Man Insurance Policy is owned by the business and the benefit is paid to the business.

Buy/Sell Insurance

Most successful businesses have some level of debt from things like capital investments from the business partners or loans to fund new technology or fix up an old office.

What happens when your business partner suffers death or is unable to ever work again in the business? How would you purchase your business share?

Buy/Sell Insurance provides a lump sum to the departing business partner and protects your share in the business.

It’s more than just a handshake, it's a legal arrangement outlining clearly how the business shares and compensation are to be administered.

Transferring this risk to an insurance company removes the stress of trying to arrange funding during an already difficult time.

An Insurance Risk Specialist will work closely with your Accountant and Lawyer to build a Buy/Sell Insurance strategy.

INSURANCE CLAIMS SERVICES

If you've ever lodged an insurance claim yourself, you will know it can be a frustrating and time-consuming process. We speak the same language as the insurance companies, know the right way to fill out all the forms, and the right people to submit them to. Using our insurance claims services will allow you to spend your time doing what you're good at - running your business and household.

CONTACT

08 9388 2433

grsadmin@grangeinsurance.com.au

Level 1, 375 Charles St, North Perth WA 6006

PROUDLY SUPPORTING

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Grange Risk Solutions Pty Ltd
ABN 38 648 972 865 | AFSL 536536

The information and advice on this website is of a general nature and does not take into account your objectives, financial situation or needs. You should consider whether the advice is appropriate for you in light of your particular needs and circumstances. If you have concerns or questions, please contact us.