Risk Management focuses on minimising the financial burden on families and practices caused by death, disability or critical illness. The effects can be insurmountable. Protecting you and your loved ones against these events is crucial.

ProMed have long term relationships with many of the major risk providers. We can provide the cover that best meets your own unique needs.

As well as protecting your ability to earn an income, we recommend that you protect the assets you accumulate throughout your career and into retirement.

We can offer tailored products in the areas of:

• Life insurance
• Trauma
• Total & Permanent Disability policies
• Partnership Cover (including Buy/Sell arrangements)
• Key Person Insurance
• Business Expenses Cover
• Income Protection

Income protection insurance is the most important ‘risk management’ insurance you will need to arrange. To insure yourself comprehensively, you need to select a policy that will cover you if you are unable to do at least one of the important income producing duties of your regular occupation.

You need a policy that will cover you for accidentally acquired blood-borne diseases such as HIV, Hepatitis B and C. You must understand and be aware of the insurance company’s attitude to, and interpretation of their definitions at the point of claim.

Should you require risk management advice this will be given to you by an authorised representative of an Australian Financial Services licence holder.