Insurance plays a vital role in investment and retirement. To understand this, think of insurance as risk management.

If you invest in shares, you reduce market risk by covering a spread of industries.

Other risks your wealth and retirement plans face include:

• Serious illness
• Death of a partner
• Long-term or permanent disability
• Loss of employment
• Business disaster

Any event like this could derail your plans. If your income stops for long enough, it could even destroy what you've built up.

The way to manage these risks is with insurance, so if or when you do suffer an unexpected event (a Black Swan) – your insurance takes over.

That's why we believe you should get certain types of insurance advice from a financial adviser, not an insurance sales person: because our goal is your best long term financial position.

Talk with us at Black Swan for insurance for:

• Term Life
• Total and Permanent Disability
• Trauma (also known as Recovery or Critical Illness insurance)
• Income protection

 Click for more information about these types of insurance or contact us for a no-obligation initial consultation.