Our location
- Unit 3 / 3 Fermont Street,
Underwood, QLD 4119 - Po Box 36, Underwood, QLD 4119
Secure your future with Brett Le Man & Associates…
Striking the perfect balance in insurance coverage,
tailored to your evolving needs to optimal protection at every stage of life.
Seek Insurance Advice
Seeking professional advice when reviewing your insurance needs will save you money and time. By having your insurance needs assessed, you can have peace of mind that you and your family are financially protected.
Give us a call for a complimentary insurance assessment.
Comprehensive Insurance Advice
Asset Protection Strategies
From a personal or individual level, utilising a combination of Life, Total and Permanent Disability (TDP) and Income Protection insurance can protect you and your family in the event of an unexpected injury or sickness. In the worst-case scenario, Life insurance will pay out a lump-sum to your beneficiary to cover such things such as your mortgage.
Income Protection
Income Protection (IP) cover insures you against the risk you cannot earn an income for a certain period due to illness or an injury. It does not apply to redundancies or if you are stood down.
With IP cover, you are paid up to 70% (not including superannuation) of your pre-tax income, for the length of period specified in your policy. By receiving this type of cover payment will allow you to focus on recovering from your injury/illness and not worrying about paying your ongoing bills.
Life Insurance
Life Insurance is to provide financial assistance to your dependents if you were to pass away. The aim is to replace the potential income you could have earned during your working life.
Generally, the need for Life Insurance will decrease with time, as you clear debts and grow wealth over time.
Life Insurance is especially important to a young family with a large debt like a mortgage on the family home.
Trauma Insurance
Trauma insurance (Critical Illness) can pay a lump sum amount if you suffer a serious injury/illness.
Examples of injury/illness included but not limited to – cancer, heart conditions, stroke or major head trauma.
Total and Permanent Disability
Total and Permanent Disability (TPD) insurance pays a lump sum if you become permanently disabled due to an accident or illness and are unable to work again.
It can provide a valuable source of financial security to you and your family, as well as help pay for medical expenses.
Key Person Business Insurance
Key person insurance is similar to life insurance, but for your business. If a key person suffers a major injury, illness, or death, key person insurance can help maintain profitability and cover some losses incurred. This might include the cost of replacing the employee, as well as losses from a decreased ability to do business. Unlike other types of life insurance, key person insurance is paid out to the business instead of an individual. It is usually paid in a lump sum, but in some cases may be paid out monthly to support ongoing loss of revenue.
