Insurances - Personal

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    Expert advice on Personal Insurance - Life Insurance - Income Protection - Total & Permanent Disability - Trauma Cover

    Protection for you and your business

    At CL Financial we will guide to protect the areas of your life that need protecting. As CL Financial are independent and not associated with any bank, financial instuition or franchise, our insurance advice is based what on what will best serve your needs.

    The loss of a business partner or keyperson to your business due to an accident or ill-health can have an enormous unimaginable impact on any small to medium sized business, these impacts can be even more dramatic and extremely stressful when the business relies on a single individual or key individuals.

    Whether you lose the Keyperson or the decision maker, your business is unlikely to recover quickly enough for lack of experience ,expertise and knowledge of the inner workings of the business .As a result in most outcomes it could be even possible that your business may never recover at all. Which was a business you have invested a lot of time and money on.

    If you lose your business partner, do you have access to the necessary funds to pay his or her spouse the full value of their inherited business interest. Do you have an agreement in place requiring the sale of your ex-partner’s interests to you, or does their spouse ( who you normally do not see eye to eye with ) suddenly becomes your new business partner.

    It really doesn’t matter how careful you are, there are always things in life that are beyond your control.

    Even the most carefully constructed plans can become undone through an unexpected event or illness, and without adequate protection (appropriate insurances ) the result for you, your business and your family can be very challenging and traumatic .

    Business expense insurance

    Whether you are needing to protect your hard earned assets or keep your business viable, business insurance to cover the cost of salaries and expenses at a time when you are unable to work can give you the peace of mind and assurance that you will have the ability to keep your business moving after any serious event.

    If you are a business owner, business expense insurance pays you a monthly benefit to cover business costs if an illness, injury or accident prevents you from working. You can use the insurance proceeds to pay the salaries to you and your employees, as well as ongoing business expenses like rent, finance costs and utilities.

    Get some appropriate business answers on all your insurance needs speak to a Lifespan approved adviser . Call today on our business telephone number (02)4987 2413 for Keyperson Policy,Superannuation,Trauma Cover,Income Protection and Total and Permanent Disability insurance.

    Call us today on 02 4987 2413 for more information
    about Insurance.

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