INCOME PROTECTION COVER
TRAUMA OR CRISIS COVER
BUSINESS EXPENSES INSURANCE
TOTAL & PERMANENT DISABILITY COVER (TPD)
LIFE COVER
SUPERANNUATION
PAX MORTGAGES –SIMPLIFIED MORTGAGE DECISIONS

Trauma cover allows you to be prepared for the financial impact of a trauma. In the event you suffer a specific trauma condition ie cancer,heart attack, major organ transplant or paralysis, with over 30 conditions covered, the amount insured is paid as a lump sum or installments.

This will assist with medical costs, extra care and the day to day expenses that quickly accumulate. It may also clear debts, thus enabling you to focus on a full recovery.

 

BUSINESS EXPENSES INSURANCE

Business Expenses cover will pay a monthly benefit to assist with the day to day running expenses of your business if you are totally or partially disabled or unable to work.

This will help with salaries, interest on a business loan or rent payments, amenities bills and many other business expenses.

 

TOTAL & PERMANENT DISABILITY COVER (TPD)

Permanent Disability insurance offers protection and financial peace of mind in the event you become totally and permanently disabled.

The amount of cover is paid either as a lump sum or in installments after a six month qualifying period and will greatly assist in the payment of ongoing medical expenses, home help, nursing or any necessary modifications to the home.

 

LIFE COVER

Term Life cover is designed to pay a lump sum in the event of death or if you becomes terminally ill.  The policy can be taken out on your own life in which case you are the life insured and policy owner.  A policy can also be taken out to insure someone else's life – a spouse, family member or business partner.

Your Life Cover can be owned by the trustee of a complying superannuation fund.

Life insurance safeguards against the financial effects of unexpected death or disablement at both a personal and professional level; and alleviates the need to liquidate assets or dip into savings.

 

SUPERANNUATION

Investing in superannuation is an investment in your future, and in order to enjoy the lifestyle you have earnt in retirement, you need to ensure that the money you have will last your lifetime.

We have developed a range of superannuation solutions to meet the diverse needs of our customers including:

Corporate Superannuation - takes care of the day-to-day running of your superannuation fund and trustee responsibilities – allowing you to focus on your core business.

Superannuation for employers  - for most employees, superannuation will be the most likely source of income in retirement and will play a large part in determining lifestyle after retirement.

Choosing the appropriate superannuation fund for your employees has to be done correctly, the first time.

Personal superannuation - while the thought of ceasing full time employment might seem an eternity away, making the most of your investment dollars while you are working will help ensure your future lifestyle is the one you have always looked forward to.

 

PAX MORTGAGES – SIMPLIFIED MORTGAGE DECISIONS

PAX MORTGAGES offer mortgage solutions matched to your individual financial requirements.  Our service will save you time and money whilst simplifying your mortgage decision making, whether you are a first home buyer, refinancing or upgrading your existing loan.

Choosing the right mortgage is more than just getting the best rate. With access to over 30 lending and financial institutions we are able to search the market and obtain the most competitive options.

Contact Duncan Johnston at PAX Mortgages on 02 9955 0090 or visit our website www.paxmortgages.com.au

Duncan has more than 15 years of lending experience including all aspects of consumer and commercial lending so you can be confident you are dealing with a fully qualified mortgage adviser.

 

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© John Gale Financial Services 2006 | Designed by Oriole

"My family and I have been greatly assisted by Mr John Gale and his professional guidance during a time of illness when I was unable to work. His advice, compassion and timely attention to our situation was beyond the call and I would recommend his professional financial advice without hesitation."

DR MICHAEL KLAASSEN
Plastic Surgeon MBChB (Otago), FRACS

"Thanks for your prompt , professional and caring support during Karen’s illness.

The rapid settlement of the claim from the ‘Trauma’ package that you had previously recommended and written for us proved to be an invaluable asset that allowed me to give Karen total support during her surgery and subsequent adjuvant therapy.

The generous payment allowed me to absent myself from work to be at her bedside and do the necessary running around. Your guidance through the claims process was extremely helpful when my mind was on other matters."

DR LUIS GALLUR
FANZCA

"Whilst he was by no means the first, John Gale will be my last insurance adviser. Unlike others who simply grabbed their commission and bolted, John has maintained a watch over my changing insurance needs as the business and family grew."

DR NEWMAN L HARRIS
University of Sydney Pain Management and Research Centre

"John really knows his stuff, and it is a real comfort knowing that he is looking after and managing our insurance interests."

"Thank you for your constructive help and assistance in reviewing my on going business, super and life policies. I am very happy with the new arrangements you have put in place for me and the savings you have been able to achieve in premiums for me. I will continue to recommend your services to friends and business colleagues as I have for the last fifteen years."

"I have known John Gale for eight years, during this time John has looked after all of my personal and business insurance and superannuation needs with the utmost professionalism and attention to detail. I would be very pleased to recommend him to whoever would be in need of his services."