Insurance and risk strategies to better protect your financial future

The benefits of Core insurance services

Expert advice

Our insurance team exists to help all our clients secure their future. Life doesn’t always go to plan which makes appropriate Insurance absolutely critical for everyone.

Claims assistance

If things go wrong it is critical that you get the assistance you need to make a claim. Our team have vast experience assisting clients through this process and being in their corner every step of the way.

A team focused on you

Getting the right advice around insurance and understanding the right options for you is deeply personal. That’s why we invest the time to know you and understand what you need to advise you on your best options.

Clarity and service

When something goes wrong being confident and clear in how you are insured can make a huge difference to how you manage. We aim to give our clients that level of surety so they can focus on what really matters.

Tailored Personal & Business Insurance Solutions

Our experienced Insurance team understands that everyone’s situation is different, and that’s why we offer personalised solutions to all our clients.

We will meet and discuss your needs, your financial situation and your present insurance before coming back to you with our detailed recommendations. Ultimately our job is to give you the right options for you to make a decision and then help facilitate your choices. Then, if you need to make a claim, we are ready to help and can navigate you through the process.

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Good health doesn’t come with a lifetime guarantee

Every day, we hear of families struck by illness or injury, though it isn’t until someone we know is affected that we realise how difficult it can be, both emotionally and financially. While you can’t prevent a major illness or injury from happening, you can ensure you and your family would be looked after if it were to ever occur. This is where insurance comes in, giving you peace of mind and financial security when you need it most.

At Core, we can assist with a variety of Insurance including:

Personal Insurance
Business Insurance
Life Insurance
Total Permanent Disability
Trauma Insurance
Key person insurance
Debt reduction insurance

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Testimonials

Results you can rely on

"Shane has provided professional financial advice which has met our needs and he has been excellent at answering specific questions in a clear and thoughtful manner. The difficulty in managing retirement superannuation has been eased by his thorough and precise advice. There have been challenges which have been negotiated with appropriate outcomes. This has been reassuring over the past few years. The personal service has been timely and efficient. We have not spent time identifying ourselves to unknown individuals which happened with larger organisations. We have benefitted from the clear vision we have about the management of the funds."

Gordon & Naomi Wright

"What sets Shane apart is his ability to blend professionalism and friendship. He took the time to get to know us, and understand our financial goals to create a personalised plan that we felt had be designed specifically for us. His approachability for us to ask any questions was make so easy by his patience and explanations to us. We would have no reservations in recommending Shane to anyone who is seeking a financial planner for their retirement plan."

Peter & Denise Gava

"During my dealings with Chris, I have found him to understand not only the ever-changing financial landscape, but how it affects my investment portfolio during the various stages of life. From the beginning, Chris and Core have integrated their experience to deliver performance with a commitment to understanding my individual goals and tolerance to risk. Of particular benefit is Core’s ability to trade directly on overseas stock markets which provides my portfolio with exposure to leading global companies and the transparency and efficiency associated with this."

Dr Jason McMillen

"Since implementing the insurance strategy devised by Michael, I have found peace of mind knowing that my loved ones and assets are adequately protected. The comprehensive coverage not only fits my budget but also provides a sense of security that extends far beyond what I had imagined."

Peter Hackett

"David and I came to Shane to discuss our personal superannuation fund, longer term estate planning and to also discuss the options that were available for our future financial security in retirement. It was achieved in a very professional manner, while at the same time putting us totally at ease and took the time to get a feeling for where we were at. Shane always explains everything thoroughly and we never felt uncomfortable asking questions or expressing an opinion, all tailored to suit our situation and future needs, by putting our finances in Shane's care for him to guide us in the right direction. We have no hesitation in recommending Shane's services with complete trust, and the knowledge of his team ensures there are no questions left unanswered in determining the right strategy for their clients."

David & Susan Gray

FAQ's

Answers to your Core financial questions

What is Debt Reduction Insurance?

When a business owner or director secures a business loan, they generally sign a guarantee that directly or indirectly uses their personal assets as collateral. Often this guarantee is dissolved only when the loan is repaid in full, which means the lender could call on the guarantee in the event of disablement or death, leaving the guarantor and their family unprotected. Debt Reduction Insurance is designed to protect you and your family, so in the case of an insured event (death or disablement of the guarantor) the portion of the business debt guaranteed by that individual would be fully repaid.

What is Key Person Insurance?

When you ask most business owners what their most valuable asset is, you will find it is not their building, equipment or vehicles – but their employees. Key Person Insurance enables your business to claim compensation for any financial loss suffered if an insured incident occurs and results in a nominated personal being unable to work.

What is Share Purchase Insurance?

Share Purchase Insurance and Buy/Sell agreements act like a will for your business. All business partners enter into a legal, written agreement stating what is to happen with their individual interest in the business should one of the equity partners no longer be able to hold their position. The agreement protects against a number of circumstances including one or more of the business owners die or become disabled due to accident or illness

What is Income Protection Insurance?

Income insurance can provide a monthly benefit (relative to your income) in the event that you are unable to work due to accident or illness.

What is Trauma Insurance?

Trauma cover can provide you with a lump sum benefit in the event that you suffer from a trauma condition like cancer, heart attack or stroke. It allows you to repay large debts like your mortgage, help fund lifestyle changes like reducing your work hours, pay for someone to replace you in your business, cover your out-of-pocket medical costs or even afford the best treatment available.

What is TPD?

TPD insurance and/or critical illness cover can provide a lump sum benefit to you in the event of your total and permanent disablement. It allows you to repay large debts like your mortgage, make modifications to your home and provide for ongoing family living requirements.

Why do I need Business Insurance?

As a business owner, your business becomes an integral part of your life. Working long hours, investing your savings, and forfeiting your own salary to increase your business cash flow are just some of the sacrifices you make.

For this reason, business insurance is an integral part of growing your business. Making sure you are properly insured against unexpected events, protects not only your corporate interests, but the future of your employees, shareholders, clients and most importantly your family.

Every business is different, so you need a business insurance specialist that can advise you on the best insurance solution for your specific needs and growth plan. With access to a vast range of quality products, across numerous major financial institutions, our business insurance specialists will find you the right solution to secure the future of your business.

Why do I need Personal Insurance?

Every family is different and has their own personal requirements. Therefore, having an insurance specialist that can advise you on the best insurance solution for your specific needs is crucial. With access to a wide range of quality products, across numerous major financial institutions, our insurance specialists will find the right solution for you, your business, and your family.

What type of Insurance do you assist with?

We assist with a range of insurance products depending on each client's specific situation including:

Life Insurance

Total and Permanent Disability (TPD) Insurance

Trauma Insurance

Income Protection Insurance
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Share Purchase Insurance (Buy/Sell Insurance)

Key Person Insurance

Debt Reduction Insurance

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Are you ready to protect your wealth? Let’s plan your financial future together

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