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Insurance

Protecting your lifestyle from the unexpected.

Personal insurance strategies protect you and your loved ones for a variety of reasons including loss of income, covering mortgage repayments, repayment of debts, medical bills and rehabilitation costs, helping you get back on your feet faster.

Few individuals have the same requirements as the level of cover you require is dependent on a number of factors, such as whether you:

  • are you single, married or de facto
  • have a mortgage
  • have a family
  • have received an inheritance
  • have sold a property or business
  • are self-employed

An Astute associated Financial Adviser can work with you to evaluate the options available and find a solution that is suited to your personal circumstances.

Ensure you and your loved ones are protected with help from a Financial Adviser from the Astute network today.

Life Insurance

Protecting your family and lifestyle following the loss of your primary income.

Life insurance pays a lump sum in the event of your death, protecting loved ones from the often-overlooked effects of passing away. This cover can be used to cover mortgage repayments, outstanding debts and other costs / commitments incurred prior to the loss of a primary income. Most policies have a terminal illness benefit that offers advance payment of the primary death benefits following the diagnosis of a terminal illness, where death is likely to occur within twelve months.

The level of cover required is influenced by a number of factors including savings, debts and lifestyle. An Astute associated Financial Adviser will work with you to evaluate the amount you would need to pay out based on your liabilities while providing for the future expenses of loved ones.

Protect your family’s future with the help of a Financial Adviser from our extensive network today.

Total & Permanent Disability

Protect your loved ones if you’re no longer able to work.

Total and Permanent Disability Cover (TPD) pays a lump sum in the event of an accident resulting in total and permanent disability. The costs associated with such disability often include medical bills, rehabilitation and specialised lifestyle support. This cover provides protection against the effects of disability, helping you to get your life back on track following an accident.

This form of protection can help to alleviate the strain often associated with serious disability.

Protect your future with the help of a Financial Adviser from the Astute network today.

Trauma Protection

Protecting you and your loved ones in the case of major illness.

Trauma cover pays a lump sum in the event, or diagnosis, of an illness specified in the policy, e.g. heart attack, stroke, multiple sclerosis, loss of sight/speech/hearing, cancer, major head trauma, severe diabetes, paraplegia etc. This cover provides for you when you need it most, easing the financial burden of being unable work for a period of time.

Protect your family’s future with the help of a Financial Adviser from our extensive network today.

Protecting your business.

How would your business be affected if you, or a key employee, were unable to work? Astute can arrange business insurance that provides protection against loss of revenue, profits, and capital value stemming from the trauma, illness or death of a key individual. This insurance generally covers the life of an employee, partner or shareholder who has knowledge and experience considered unique and invaluable. Protect your business with the help of the Astute adviser network today.

Protecting your lifestyle from the unexpected.

How long would you be able to maintain your lifestyle and repayments if you were prevented from earning an income?  Income protection provides regular payments of up to 70% of your gross salary until you are able to work again, or if you are unable to return, up to the age of 65. This insurance is generally tax deductible and provides financial security in the event of an accident, illness or trauma. Income / Personal Protection is designed to help cover bills, mortgage repayments, school fees and day-to-day living expenses up to the age of 65. Protect your lifestyle with the help of an Astute adviser today.

Protecting your lifestyle from the unexpected.

Personal insurance strategies protect you and your loved ones for a variety of reasons including loss of income, covering mortgage repayments, repayment of debts, medical bills and rehabilitation costs, helping you get back on your feet faster. Few individuals have the same requirements as the level of cover you require is dependent on a number of factors, such as whether you:
  • are you single, married or de facto
  • have a mortgage
  • have a family
  • have received an inheritance
  • have sold a property or business
  • are self-employed
An Astute associated Financial Adviser can work with you to evaluate the options available and find a solution that is suited to your personal circumstances. Ensure you and your loved ones are protected with help from a Financial Adviser from the Astute network today.

Life Insurance

Protecting your family and lifestyle following the loss of your primary income. Life insurance pays a lump sum in the event of your death, protecting loved ones from the often-overlooked effects of passing away. This cover can be used to cover mortgage repayments, outstanding debts and other costs / commitments incurred prior to the loss of a primary income. Most policies have a terminal illness benefit that offers advance payment of the primary death benefits following the diagnosis of a terminal illness, where death is likely to occur within twelve months. The level of cover required is influenced by a number of factors including savings, debts and lifestyle. An Astute associated Financial Adviser will work with you to evaluate the amount you would need to pay out based on your liabilities while providing for the future expenses of loved ones. Protect your family’s future with the help of a Financial Adviser from our extensive network today.

Total & Permanent Disability

Protect your loved ones if you’re no longer able to work. Total and Permanent Disability Cover (TPD) pays a lump sum in the event of an accident resulting in total and permanent disability. The costs associated with such disability often include medical bills, rehabilitation and specialised lifestyle support. This cover provides protection against the effects of disability, helping you to get your life back on track following an accident. This form of protection can help to alleviate the strain often associated with serious disability. Protect your future with the help of a Financial Adviser from the Astute network today.

Trauma Protection

Protecting you and your loved ones in the case of major illness. Trauma cover pays a lump sum in the event, or diagnosis, of an illness specified in the policy, e.g. heart attack, stroke, multiple sclerosis, loss of sight/speech/hearing, cancer, major head trauma, severe diabetes, paraplegia etc. This cover provides for you when you need it most, easing the financial burden of being unable work for a period of time. Protect your family’s future with the help of a Financial Adviser from our extensive network today.

Our General Insurance Products

At Astute, our aim is to help protect you and the things you value from the financial impact of risks, big and small - from fire, flood, storm and earthquake, to theft, and car accidents - and even from the costs of legal action against them. Our General Insurance products include: Home and Contents (including for home owners, renters and landlords), Motor Vehicle, Business, Public and Products Liability, and Travel Insurance.
General Insurance provided by Astute Insurance Pty Ltd | ABN 59 622 582 236 | Authorised Representative of Ausure Pty Ltd ABN | 94 096 971 854 | AFSL 238433

Astute Simplicity Health Brand

Astute has partnered with St.LukesHealth to offer health insurance through the Astute Simplicity Health brand, with great features and benefits, and a special offers. St.LukesHealth have over 70 years’ experience in the Health industry and provides Astute members with a quality co-branded health insurance product. Members are supported by a dedicated Astute Simplicity Health team. Claims and further information You can find all the information on the product as well as contact details on the Astute Simplicity Health page here: www.astutesimplicityhealth.com.au or by contacting Astute Simplicity health on 1300 090 960.
Health Insurance products are underwritten by St Luke’s Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.
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