Risk insurance policies are financial products that will pay the policy holder if the ‘insured event’ – such as becoming unwell and being unable to work – happens.
Insured events include things like temporary illness, permanent illness, temporary injury, permanent injury, or the premature death of the insured person.
Risk insurances insure your good health, which is actually your most important financial asset. That is why risk insurances are almost always the essential first step in any financial plan. Insuring yourself against a loss of income or earning ability allows you to ensure that life for you and your loved ones goes on with the quality you want, even if something unwanted happens.
We provide the complete range of risk insurance services: death cover, total and permanent disability (TPD), income protection and trauma cover. We help you calculate the type and amount of each cover that you might need, as well as discuss other ways that you can protect yourself against financial loss.
We also show you how to minimise the premiums, especially after-tax, without unnecessarily compromising the quality of the policy or the level of cover that you acquire.
If cash flow is tight, we can assist you to find ways to insure yourself that minimise the demands on your day-to-day income. And, of course, as financial planners we can help you find ways to enhance your income. This makes everything more affordable, not just your insurances.
Director and Financial Planner
Vito D’Alessandri is a Certified Financial Planner™ and Accredited Aged Care Professional™.
Since 1990 Vito has been assisting people with their personal finances, retirement planning and personal risk protection.
In more recent times he has added to this a new focus on the financial needs of the elderly, especially for those that need to enter an Aged care Facility.
Vito now holds the additional designation of an Aged Care Professional™ having completed appropriate training in this regard.
Vito is a member of the Financial Planning Association of Australia and is committed to helping clients make informed and smart decisions about their financial future.
Vito is regularly praised by his clients for his ability to explain complex financial information in easy to understand language.
Vito believes that everyone could benefit from having a team of specialist advisers in their corner and that EDUCATION is the key ingredient for people to achieve their goals
Vito D'Alessandri is an authorised representative (234615) of Dover Financial Advisers Pty Ltd (AFSL 307248).