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7/20
Back to Basics
FOCUS ON – PERSONAL INSURANCE
How much insurance is enough?

How much is enough?

Whether you’re considering life, trauma, income protection or TPD insurance, if you're the breadwinner, you will want to keep your family in the style to which they have become accustomed. If you're a housewife/househusband, then you will need to provide money for someone to do the things you did if you're not around or incapacitated. Consider this

How much money might be needed in order to pay off your debts such as your mortgage or personal loans?
How much money do your dependents need to continue to live in the same lifestyle they currently enjoy?
 

Life Insurance - As an approximate rule of thumb, you should consider insuring yourself for 10 times your salary.

Trauma, Disability and Income Protection - When insuring yourself for trauma, disability or income protection you should aim to produce around two thirds of your earnings or a minimum of $50,000 indexed for inflation.
How much can you afford to pay?
 

You get what you pay for

 

For many, cost is the primary consideration. It’s a question of affordability versus what you need.

 

Ultimately, how much cover you and your family needs will vary from household to household, so it's up to you to decide how much money should leave your family with a reasonable standard of living.

 

A better question when considering how much insurance to take out is 'How much cover can I afford?’


One thing is clear:

 

Unless you have accumulated so much wealth that you can afford not to work tomorrow, you have a need to insure yourself and your family.

Quote & apply with Zurich in 5 mins

Our online portal with Zurich Ezicover contains a quick calculator allowing you to quote and apply online.

 

If you are unsure as to how much cover you need, Zurich’s quick calc can also help you work out what may be the best level of cover for your needs. Alternatively, if you just want to see what you can get for X dollars a month, Zurich’s quick calculator will give you an immediate quote.
Apply Now
 
www.fundsfocus.com.au/insurance/
When it comes to insuring yourself & family, something is always better than nothing
More than one in every three males and close to one in every four females will suffer from some form of cancer before age 75
 
Source: Australian Institute of Health and Welfare 2004
 
FUNDS FOCUS Investment newsletter: Issue 1, January 2008

7/20
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This month’s issue examines the opportunities that exist as a result of the “new economy”, where they are and how you can minimise some of the resulting volatility.
 

Challenger China Share Fund

The Asian growth story and China’s emergence into the outside world remains as compelling as ever. Could now be an opportune time to invest?

p12
 

Merrill Lynch International Gold Fund

Gold can be considered an effective diversifier. Gold often performs well when financial markets perform poorly as investment managers look around for ‘insurance’ against financial instability and poor equity performance.

p14
 

Macquarie - Globalis BRIC Fund

Emerging markets continue to be the fastest growing economies. We examine Macquarie’s joint venture into the BRIC economies and how you can take part in the fastest growing economies in the world.

p16
 

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Probably the worst thing you can do is sit on an portfolio full of proverbial “dogs” in the hope that they’ll somehow get their act together and produce you the great returns overnight. We’re giving investors the opportunity to get a free report across all their managed fund investments.

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