Experien Insurance Services will help you take care of the following Personal and Business Insurance needs, including:

Life insurance provide a lump sum payment to protect your loved ones should you pass away or become terminally ill.

In the event of your pre-mature death would you want to be able to pay off the mortgage / debts, pay for funeral costs and let your family maintain their current standard of living with your childrens education catered for?

TPD Insurance provides a lump sum in the event that you suffer a sickness or injury which classifies you as totally and permanently disabled and unable to ever return to work.

If you became totally and permanently disabled would you want to be able to pay off the mortgage, pay for home modiforcations, pay for the cost of a carer and maintain your current standard of living?

Please note - Our products will cover you for your 'OWN' occupation or speciality.

Trauma Insurance will pay a lump sum payment on diagnosis one of the many listed trauma events. Heart Attack, Stroke, and Cancer are just a few to mention.

Would you want to be able to pay off the mortgage, take time off work or have the best possible treatment if you were to fall critically ill or suffer a trauma event?

Needlestick Cover pays a lump sum benefit if you become infected with HIV, Hepatitis B or Hepatitis C as a result or an accident occurring during the course of your work.

Needlestick covers not only infections caused by needles, but also infections caused through other means like - sharps accidents, splash back and inhalation of blood or bone dust.

Would you like to know if you contracted HIV, Hepatitis B or Hepatitis C that  you'll receive a lump sum benefit of between $50,000 and $400,000. You can use this amount however you wish - towards rehabilitation, funding lifestyle changes or even a holiday to help your recovery?

Income Protection insurance protects your ability to earn an income should you suffer a sickness or injury. It can cover up to 84% of your income by paying a monthly benefit until you can return to work or to age 70

Would you like to ensure you could continue to pay your household bills if you can't work due to accident, illness or disability?
Please note -Our products cover you against HIV, Hepititis B and Hepititis C and are also tax deductible.

For self-employed individuals, they have a responsibility to cover the fixed costs of the business. This cover provides a monthly benefit to pay business expenses should the business owner be unable to work due to sickness or injury.

Business Expense insurance will protect up to 100% of your fixed business overheads on a monthly basis for up to 1 year

Would you like to ensure you could continue to pay bunisess expenses if you can't work due to accident, illness or disability?

Please note - this product is tax deductible.

Key person Insurance is if your business relies on a key individual/s to drive the revenue or maintain the debts of the business, their death, disablement or trauma would have a substantial effect on profits. Key Person Insurance provides a cash injection to offset the reduction in revenue or cover the debt obligations in a business.

When two or more people work together in a business, there needs to be serious consideration of the disposal of each person's share of the business in all circumstances. Buy/Sell Insurance is the most cost effective method of funding the consideration for the transfer of an asset from one person or entity to another in the case of death, temporary disablement, permanent disability, terminal illness as well as the occurrence of a major medical event

Important Information - Financial Wisdom is responsible for financial planning advice provided by me as an Authorised Representative. Please refer to the Financial Services Guide (FSG) for the scope of my authority under Financial Wisdom. Financial Wisdom is not affiliated with nor does it endorse other business activities conducted by me

Experien Insurance Services Pty Ltd is an authorised representative of Financial Wisdom Limited ABN 70 006 646 108 AFSL 231138