Deborah Jones and Associates


“Helping realise your financial goals”

PO Box 417


Ph: (07) 5522 6581

 Fax: (07) 5522 6732











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Life Insurance

Insurance is a crucial factor in any strategic plan.  If you wish to take the burden from you and/or family members in the event of Death, Trauma, Total and Permanent Disablement and Income Protection.

Protect yourself and your family and provide ongoing support. Why would you risk not implementing an insurance protection plan? 

Life Insurance


Business Insurance

Child Insurance

Claiming on Insurance


What these insurances means:

Term Insurance

Term Insurance provides a lump sum upon the event of the death of the life insured (other than by suicide occurring within 13 months of the policy commencing). Where the policy is non-superannuation, a common extra benefit may be that if the life insured is diagnosed as terminally ill and is likely to die within a certain period (usually 12 months), the lump sum may be paid prior to death.

Total & Permanent Disablement (TPD) Insurance

TPD Insurance aims to provide a lump sum payment in the event that you become totally and permanently disabled. The definition of totally and permanently disabled varies between insurance providers.

Generally, the definition of totally and permanently disabled will be the inability to perform the usual duties of the following:

Your own occupation

An occupation for which you are qualified by reason of education, training or experience, or

Any other meaningful paid or unpaid work.

A TPD claim may also be paid in the event of certain disabling conditions occurring, such as the loss of sight of two eyes or the loss of use of two limbs.

TPD is usually sold as an additional option to Term Insurance. Where TPD Insurance is sold as an option to Term Insurance, and a TPD claim is made, the Term Insurance will usually be reduced by the amount of the TPD payment.

Trauma Insurance

Trauma (also known as Crisis, Living or Recovery) Insurance, aims to provide a lump sum payment in the event that you suffer a specified, life threatening condition.

Benefits are usually paid for a trauma within a set list of defined medical conditions, as listed in the policy terms and conditions. Typical of a trauma policy would be a lump sum payment if you were to suffer a heart attack, stroke or life threatening cancer as per the policy definitions. The payment is made to the owner of the policy.

Income Protection Insurance

Income Protection Insurance is designed to replace income lost as a result of an accident or sickness preventing you from performing your normal occupational duties by paying an ongoing benefit. The waiting period before benefits become payable and the time period for which benefits may be payable for varies between different policies on offer.

Income Protection Insurance is usually limited to 75% of a person’s salary, or in the case of self-employed persons, their gainfully earned taxable income.

Benefits are paid on an ongoing basis once the prescribed waiting period has been served, and continues to be paid on a regular basis whilst you are disabled (as defined in the policy), until such time as the maximum benefit period has expired. In some situations, a lesser benefit may be payable if you are only partially disabled, for example, you can return to work but only for a limited time each week.

Business Expenses Insurance

Business Expenses Insurance is available to certain self-employed persons who wish to cover their business expenses should they be unable to work because of illness or injury.

They are also available to companies in respect if income producing employees where those employees are unable to work because of illness or injury.

Payments are generally made on a monthly basis and can reimburse up to 100% of approved business expenses. The payments are generally limited to 6 or 12 months.




Please note: The above are generic descriptions only. You should refer to the recommended insurers Product Disclosure Statement for accurate and complete descriptions of policy terms and conditions relevant to the recommended products.







Deborah Jones & Associates Pty Ltd (ABN 61 062 924 010) are Corporate Authorised Representatives of Financial Services Partners ABN 15 089 512 587 AFSL 237590

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