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Risk Insurance

Insurance is a financial safety net for you & those closest to you

You may not always be fit and healthy. It's not what you want to hear, but it can happen to you. Even though life expectancy has increased, not all is well. Australsian males have a life expectancy of 77 years but only 57 of those years are likely to be free of some significant disability. For females, it is 82 and 63 years respectively.  Did you know that in a business with three male partners, all aged 45, there is a 50% chance that one will die before retirement at age 65?

WHK specialist risk & insurance planners will direct you to the most appropriate cover for all aspects of your life. 

WHK clients have access to the following benefits:
  • The right insurance plan with the best possible levels of cover for you that meets your financial and lifestyle goals.
  • Assurance that your policy is as tax and cash flow effective as possible.
  • Advice on the most efficient way to hold your insurance, whether it's self-owned, company-owned or within your family trust.
  • We will do the research to source the insurance provider and product that suits your needs best.
  • Annual assessment of your insurance plan to ensure it continues to meet your needs and any changes in circumstances.

WHK specialist risk & insurance planners will direct you to the most appropriate cover for all aspects of your life. We know only too well how difficult it is to wade through the terms and conditions of policies and make a valued judgment. WHK investigate and judge each insurance policy against criteria including; value of the cover, contract definitions, cost of premium in relation to cover, disclaimers, payout history of insurance provider and overall insurance provider stability.

Types of insurance to consider:

Business

Personal

  • Key person
  • Shareholder protection
  • Loan protection
  • Buy and sell agreements
  • Appropriate ownership structures (tax implications)
  • Life
  • Critical illness
  • Total and permanent disability     
  • Income protection
Cover you need, and none you don't