Nicole Heales

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Health and family are more important than money. If you got sick, how would that affect your lifestyle and family?


Having good health should be everyone’s number one priority, but people get sick, they have accidents, and sometimes they can’t work. Sometimes it’s worse than that.

Sadly, we all know someone who has been diagnosed with cancer, was injured in a car accident, experienced a bout of depression or lost a partner suddenly.  So we know there is a pretty good chance we’re going to need a hand at some stage.

No-one wants to think about worse case scenarios but preparing for the worst and hoping for the best gives you comfort knowing that you and your family are financially resilient.

Insurance is just another way of saying Making Sure.

Insurance pays you money, at a time you need it most, which gives you time to get over your illness or injury, and reduces financial stress.  Insurance gives you piece of mind.

The other option is to not have any insurance and get sick and broke at the same time.

Did you know that your ability to earn an income is your most important asset? It’s more valuable than any car or home you will ever own.  You need to protect your income.  You can’t insure yourself against redundancy, or job loss, but you can protect yourself against unexpected illness or injury. And you absolutely should.

Could you

  • live off your savings or sick leave for an extended period of time
  • pay your rent or your mortgage and your telephone and utilities bill
  • afford to live comfortably on Government Disability support
  • keep the kids at school if you weren’t earning your income
  • sleep at night if your home and car weren’t insured

Unless you own your home and have enough money to pay yourself enough money to live the life you want to age 65 and retirement, you should be protecting your income. 

If you’re single

Being a single woman comes with freedom, but times can get tough if you become ill or injured.  You need to look after yourself financially.

If you’re partnered and/or have kids

Even if you have a partner, and have more than one income in your household, most families need two incomes to make ends meet, particularly if you have kids. If you were to lose your income how quickly would your living standards drop?

How much life insurance do you need?

The amount of insurance depends on your individual circumstances and should cover paying off debts, covering school fees and your everyday living costs.

As your life changes, so does your insurance needs.  Regular reviews of your lifestyle protection policies is necessary, you don’t want to be over, or under insured.

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INDUSTRY AWARDS

  • Winner – Most Influential Financial Planner 2019
  • Power50 – 50 Most Influential Advisers in Australia 2019, 2018 and 2017
  • Finalist – Female Excellence in Advice 2018 and 2017
  • Finalist – Industry Thought Leader of the Year 2018
  • Finalist – Holistic Adviser of the year 2018
  • Winner – Most Inspirational Woman in Financial Planning 2017
  • Finalist – Financial Adviser of the Year 2017 and 2016

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15 Howard Street Beulah Park SA 5067
Mobile: 0417 167 024

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What’s news for you

  • Investment Market Outlook: Volatility Rises, Value Emerges
  • New opportunities to grow your Super from 1 July 2022
  • How much do I need in retirement?
  • Super changes that could affect you from 1 July 2022
  • Your super checklist for EOFY
  • Should you merge your finances with your partner?
  • Should I invest my home deposit?
  • The RBA starts raising rates – how far and how fast? And what does it mean for investors?

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Nicole Heales ABN 64 871 906 280 is an Authorised Representative of Capstone Financial Planning Pty Ltd ABN 24 093 733 969. AFSL 223135 (Authorised Representative Number 312479).

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