Services
Our Services
At Worth It we’re proud to provide comprehensive and on-going financial advisory services.
We partner with you every step of the way to find and maintain insurance cover that best protects the people and things that matter most to you. We are not insurance providers, so our priority it not selling you a product. Our focus is providing the best solutions for you, easing you through the entire process, and making sure you always have peace of mind.
Nobody likes to think about passing on, but planning for the future can provide you and your loved ones peace of mind.
Life insurance is like a safety net under your family when you’re no longer there to break their fall. Life insurance ensures that the people you leave behind are financially protected. When the unexpected happens, your beneficiaries will receive a lump-sum payment that can help to cover your funeral expenses and any pressing payments. Your loved ones won’t have to face financial hardship during an already difficult time.
Life insurance payouts can be used over time to ensure your family can maintain their standard of
living, even after the loss of your income. Payments can help to cover on-going living costs, children’s education costs, and outstanding debt. Premiums for life cover are usually more affordable when secured at an early age. But we work with multiple providers to offer affordable options for all, including a fixed premium option. Would your family cope financially if the worst were to happen to you? Let’s sit down and talk about
life insurance.
Saving for unexpected bumps in the road is getting harder and harder as the days go by. But if you’re diagnosed with a major illness or injury, you don’t have the time or energy to think about your finances.
Trauma insurance, or critical illness cover, is designed to provide financial protection in the event of a serious illness or injury. While life insurance covers death, trauma insurance offers crucial support when faced with a critical medical condition that may not be life-threatening but can significantly impact your ability to work.
Major illnesses such as cancer, heart attack, stroke, can be emotionally devastating and create a huge financial burden. Trauma insurance offers a lump-sum payment upon diagnosis of a covered illness, helping you cope with the associated medical costs, treatment expenses, and any necessary lifestyle adjustments.
Trauma cover can be valuable in addition to health insurance. While health insurance covers everyday medical costs, it may not cover additional expenses such as mortgage payments, childcare, or travel for specialist treatment, which can be essential when dealing with a serious illness or injury. With Trauma insurance, you and your family can focus on recovery, knowing your finances are secure
What would happen if you were no longer able to work?
Total and Permanent Disability (TPD) insurance provides financial protection if you are unable to work due to a total and permanent disablement. The right TPD insurance policy can provide a large, lump sum payment that allows you to access medical care, make home modifications, pay down debt, and continue to provide for your family.
TPD insurance ensures that individuals and families are financially supported in the face of a lifealtering disability. The payout can be used to cover costs related to the disability while maintaining your quality of life in the absence of your regular income.
If your work relies heavily on your physical or mental ability, TPD cover is worth consideration as it offers a safety net should an unexpected disability occur. While definitions and coverage vary from provider to provider, we can help you find the perfect TPD cover to best suit your needs.
Your health is your greatest asset. Protecting it, for the sake of yourself and your family, is worth the
time and effort.
Health insurance can help to ease the burden of everyday healthcare costs for you and your loved ones. It covers surgeries, some diagnostic tests, expensive medications and provides an option to add visits to the GP and dentist . Health insurance also allows you access first-rate private care instead of sitting on ever-growing public health waiting lists. The real value of health insurance is not only does it help to cover costs in times of illness, but it also helps to you cover the cost of prevention. Knowing you have cover in place that allows you to regularly see your doctor and attend screenings can be a huge relief. Regular medical check ups may lead to early intervention and save you stress and money. Some health insurance plans may allow you to add children and dependents to your plan. Get in touch with us and we will find the best option for you.
Think about all the covers you would still have to cover if you lost your income. Would you be ableto cover your mortgage or rent payments? Could you maintain your current lifestyles?
Income protection insurance provides you and your family with financial security and peace of mind in the event you are temporarily unable to work due to illness, injury, or disability. Income protection cover ensures you can maintain your standard of living and meet you financial obligations during periods of income loss.
One of the key benefits of income protection insurance is it provides a regular stream of income when you are unable to work due to a covered event. This might include physical injuries, serious illnesses, or a mental health condition that prevents you from working.
Some income protection plans offer a waiting period before benefits are paid out, which can be tailored to meet your individual needs and financial circumstances. If you feel confident in your ability to save, choosing a longer waiting period may lead to lower premiums. By ensuring financial stability throughout illness or injury, income protection insurance allows you
and your family to focus on recovery and rehabilitation without the added stress of financial uncertainty.
If you own your family home, you don’t want anything to take it away. That’s why it is so important to ensure you can cover your mortgage payments, no matter what comes your way.
Mortgage protection insurance provides you and your family with the peace of mind of knowing the family home will remain the family home, even when you are unable to work due to illness or injury. The right mortgage protection policy will provide regular repayments, meeting the cover amount for a payment period set by you. Some policy plans may allow waiting periods, allowing you to tailor your plan to your specific financial circumstances and helping to reduce premium costs. With your mortgage payments covered, you can focus on recovery and getting back to work without
having to worry about the family home.
What can an Insurance Advisor do for you?
We believe protecting your health and earnings potential is one of the most important things you can do for yourself and your loved ones – it is definitely worth it. But we know it can be complicated and scary. There are dozens of options to choose from, each with a handful of documents to comb through. Jargon is confusing, salespeople are pushy, and the whole process takes you away from the things you’d rather be doing.
That’s where an independent insurance advisor comes in. We take the hassle of finding your perfect fit insurance plan out of your hands. Our job is to deliver you tailored insurance advice, saving you time and doing the hard work for you. We provide solutions that give you a sense of security and peace of mind.
An insurance advisor does not to sell you insurance. So what do they do?
We believe protecting your health and earnings potential is one of the most important things you can do for yourself and your loved ones – it is definitely worth it. But we know it can be complicated and scary. There are dozens of options to choose from, each with a handful of documents to comb through. Jargon is confusing, salespeople are pushy, and the whole process takes you away from the things you’d rather be doing.
- Let’s talk about you: The most important step in finding the best insurance cover for you is getting to know you. There are no ‘one size fits all’ solutions in insurance cover. Your situation is unique to you – and so should your cover be. Your advisor will sit down with you to learn about what makes you tick.
- On-going service: As life happens, change happens. Your advisor will continually review your cover as your personal circumstances change to make sure you’re up to date with the best cover for you. They will also keep you updated on changes in the insurance market, letting know when new products arise that might interest you.
- Easing you through claims: Claim time is stressful enough without the hassle of actually making a claim. When the unexpected happens, your insurance advisor will handle the claims process for you. They work for you to ensure you get what you deserve.