Income replacement 

If you stop to think about it, almost everything depends on your income. What if sickness or injury prevented you from earning income for months or even years? Even when the income stops the bills don't, mortgage repayments/rent, telephone bills and everyday living expenses make you reliant on ready cash. This is why income replacement is so important. It acts to make sure your assets aren't eaten away.

For a tax deductible premium, an income replacement policy will give you the peace of mind that if you were unable to earn an income because of illness or injury, you could receive up to 75 per cent of your former income until you return to work.

How your financial adviser can help
A financial adviser is trained to provide advice that will ensure not only your superannuation and investment strategies are sound but your risk management plan suits your individual circumstances. They can also help determine what risk management solutions you require and how much you should be insured for