Financial Planners in Kingscliff

Personal Insurance in Murwillumbah

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Understanding the Importance of Personal Insurance 

No one likes to think about the possibility of becoming seriously ill or disabled, but it's important to plan for the unexpected. That's where we can help. At MoneySmith Group, we can assist you with finding the right personal insurance policy that will provide you and your family with financial support in the event of illness, disability or loss of income.


We can help you with and search for total and permanent disability (TPD), critical illness, income protection and life cover insurance policies. No matter what life throws at you, we can help you protect your finances and give you peace of mind knowing your loved ones are covered should the unexpected occur.


Our approach focuses on understanding your requirements and discussing the types of insurance that may suit your circumstances. This includes evaluating options for life cover, total and permanent disability (TPD) insurance, and other policies designed to address specific needs. 


Call MoneySmith Group on 1300 788 552 to discuss your personal insurance requirements and learn more about how we can assist you. We provide support to clients Australia-wide, including Murwillumbah, Kingscliff, the Gold Coast and the Northern Rivers.

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Types of Personal Insurance

Choosing the right personal insurance requires careful consideration of your circumstances and long-term goals. Understanding the various types of coverage available can help you make informed decisions about your financial protection. 


  • Life Cover: Can offer a financial safety net for beneficiaries in the event of death. 
  • Income Protection: Offers support if you’re unable to work due to illness or injury. 
  • Total and Permanent Disability (TPD): Designed to cover you if a permanent disability affects your ability to work. 
  • Critical Illness: Assists with financial costs associated with severe medical conditions. 


Explore your options for personal insurance and how these policies can support your specific needs.


Contact us to learn more about personalised guidance for your insurance planning. 

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Frequently Asked Questions

  • What is personal insurance?

    Personal insurance can offer financial protection against unexpected events such as illness, disability, or death. It includes various types of coverage, including life insurance, income protection, and critical illness cover.


    These policies are designed to assist individuals in managing financial impacts during challenging times. Understanding personal insurance options can help ensure your coverage aligns with your circumstances and priorities.  

  • Who should consider personal insurance?

    Personal insurance can be considered by anyone seeking financial security for themselves or their dependants. It is particularly relevant for those with financial commitments or family members who rely on their income.


    Assessing your current financial responsibilities can help determine if personal insurance is a suitable choice. Regularly reviewing your insurance needs can also ensure your coverage remains relevant over time.  

  • What are the different types of personal insurance?

    Common types include life cover, income protection, total and permanent disability (TPD), and critical illness insurance. Each offers specific benefits tailored to different financial and personal needs.


    Understanding the features and limitations of each policy type is important when evaluating options. Seeking professional advice can help clarify which coverage may best suit your situation.  

  • How do I choose the right personal insurance?

    Choosing the right policy involves evaluating your financial situation, future goals, and potential risks. Consulting a financial professional can help identify suitable options and ensure they align with your needs.


    Comparing policies from different providers can also highlight differences in coverage and cost. Reviewing policy terms carefully can help you make an informed decision.  

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