Everything you need to know about life insurance and related covers.…
We proudly advise Australians on personal insurance for life, disability, trauma and income protection.
Life is unpredictable, which means that illness and injury can happen when you least expect it. Therefore, it is important to have the right life, disability, trauma and income protection insurance to manage your financial risks.
A qualified insurance adviser can help you navigate insurance providers, features, quoting and structures. Dumont Wealth provides advice across four main insurance options.
Life insurance provides a lump sum benefit when you pass to reduce the financial burden of your death. This type of cover is typically used to to repay debts, cover funeral costs and provide an income for surviving partners and children.
Total and permanent disability (TPD) insurance is important and covers essential risks if you become permanently disabled. Consider covering your debts, making provisions for medical expenses and home modifications.
Income protection insurance is used to provide a regular income stream for a specified period of time, in the event you are unable to work due to illness or injury. This type of insurance has many features and types to consider, so it would be wise to seek financial advice prior to any application.
Trauma insurance will provide a lump sum amount if you suffer a severe (covered) illness, such as a heart attack or stroke. Cover is typically used to partially fund debt, living expenses and medical costs associated with recovery.
Choosing the right personal insurance cover can be confusing and time consuming. We can help you avoid mistakes, lower stress and help manage costs.
We compare the market to find a solutions suited to your needs and budget. We compare multiple life, TPD, trauma and income protection providers to find the most cost effective solution for you.
We calculate the level of cover you actually need based on your situation, lowering risk and saving money. Overinsurance for life, TPD, trauma and income protection can mean you are paying for cover you don't need. Alternatively, if you are underinsured you may be financial exposed.
We help you to select the right insurance cover for your needs.
Navigate the complexity of insurance features to only pay for what you need. Disability, income protection and trauma insurances have many options and features that can improve your level of coverage and protection. However, it is important to weigh the benefit of the options against the costs.
Structure your insurance premiums right for your needs and circumstance. Owning insurance in superannuation or personally have many pros and cons that you should be aware of before making a decision.
Complete our simple online health eligibility questionnaire (click here), to find out if you are likely to receive a loading or exclusion on your life, disability, income protection or trauma application ahead of time.
By using our life insurance questionnaire tool, we can reach out to insurers on your behalf to understand what terms they are likely to offer you. It only takes a few minutes and can save you a lot of time and effort before you go through the application process.
Dumont Wealth strictly adheres to data and privacy restrictions. Please review our Privacy Policy for more details. By completing this form you consent for Dumont Wealth to conduct a pre-assessment and to communicate these results with you.
We receive commissions from insurers, which we use to offset the cost of insurance advice.
We have an easy, efficient and transparent life insurance advice process that consists of three stages: Contact, research and implementation.
Will Helped me with a change of of my life insurance policy I found him to be very helpful and full of advice, he called back constantly to advise and steer me in the right direction I highly recommend his services, knowledge and advice to anybody.
Ready to get started now? If you would like to discuss your insurance options, we would love to hear from you.
Arrange a suitable time for you by using the ‘Book a meeting’ button. Alternatively, complete the ‘register interest’ form and we will contact you directly.
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Business and Licensee Information: Authorised Representative No. 1272643. Dumont Wealth Pty Ltd. Corporate Authorised Representative No. 1308337. Licensed by Alliance Wealth Pty Ltd, ABN 93 161 647 007, AFSL No. 449221. Financial Services Guide (FSG): www.centrepointalliance.com.au/fsg/aw
General Advice Warning and Disclaimer: This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision. You should obtain and consider the relevant Product Disclosure Statement and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication. If you are not the intended recipient, please advise the sender by return e-mail, do not use, copy or disclose the contents, and delete the message and any attachments. The contents of this email may contain information that is confidential and privileged. If you are not the intended recipient or have received this email in error you are not permitted to disclose or use any information contained in it. If you are not the intended recipient or have received this email in error please notify us immediately by reply email or telephone and then delete this email and any attachments. Unauthorised use, copying, distribution or publication of this email and any attachments is prohibited. No warranty is made that this email or attachment(s) are free from computer virus or error free. The contents of this message are the views of the author and do not necessarily reflect the views of Dumont Wealth Pty Ltd or any related entity. To the maximum extent permitted by law, no person including Alliance Wealth Pty Ltd nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. It is based on our understanding of regulations and laws as at the publication date. As these are subject to change you should talk to a professional adviser for the most up-to-date information. By subscribing to our newsletter, you consent to marketing emails and the storage of your data.
Important disclaimer and warning
The information contained on this webpage does not constitute financial product advice. You should consider obtaining independent advice before making any financial decisions. Whilst all care has been taken in the preparation of this information (using sources believed to be reliable and accurate), to the maximum extent permitted by law, no person including Centrepoint Alliance Limited or any member of the Centrepoint Alliance Group of companies and also Dumont Wealth Pty Ltd, Dumont Holdings or any member or related companies accept responsibility for any loss suffered by any person arising from reliance on this information. The information documented on this website page is valid at the date of upload (3 October 2024) and should be reverified by the reader at the time of viewing.