Services
Living Benefits
The primary purpose of a life insurance policy is to ensure your loved ones are financially secure after your passing. However, many policies now offer living benefits that provide support while you are still alive.
These benefits can be invaluable if you face a qualifying terminal, chronic, or critical illness. For example, if you are diagnosed with a terminal illness, living benefits may allow you to access a portion of your life insurance policy’s death benefit early. Additionally, some policies provide income streams that can last for the rest of your life, helping you manage expenses and maintain your lifestyle even in the face of serious health challenges.
Mortgage Protection
As a homeowner, protecting your property is a priority. While homeowners insurance covers damage or loss to your home, it doesn’t protect your ability to make mortgage payments. Mortgage protection insurance fills this gap, offering a financial safety net in case you’re unable to make mortgage payments due to disability, illness, or even death.
This specialized insurance ensures that your family won’t face foreclosure if you are unable to work or pass away unexpectedly. It can provide either a lump sum to pay off the mortgage or regular payments to cover the monthly costs, offering peace of mind and stability for your loved ones.
Term Life Insurance
Term Life Insurance is a straightforward and affordable option designed to protect your loved ones in the event of your passing. It provides a lump sum payout to your beneficiaries if you pass away within the term of the policy, ensuring they have the financial support they need during a difficult time. This payout can be used to cover funeral expenses, outstanding debts, or even day-to-day living costs, helping ease the financial burden on your family.
Additionally, many Term Life Insurance policies offer coverage for terminal illness, providing an early payout if you’re diagnosed with a terminal condition. This allows you to use the funds for medical expenses, bucket-list goals, or to ensure your family’s future security. It’s a reliable way to protect those you care about, providing financial stability when it’s needed most.
Annuities
Annuities are designed to provide you with a stable income during retirement. You can use your superannuation or personal savings to purchase an annuity from a super fund or a life insurance company. With an annuity, you receive regular payments over a specified period, which can be for a set number of years, for your expected life span, or for the rest of your life.
Annuities offer a predictable and guaranteed income, helping you maintain your lifestyle and meet your financial needs in retirement. We assist you in choosing the right annuity plan, so you can enjoy peace of mind knowing that your future income is secure.
Indexed Universal Life
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that combines the benefit of lifelong coverage with the potential for cash value growth. Unlike traditional whole life policies, IUL allows the cash value portion to grow by tracking the performance of a stock market index like the S&P 500.
This means your policy can accumulate significant value over time, which you can borrow against to fund major life goals such as buying a home, paying for education, or investing in a business. In addition to the flexibility of accessing your cash value, IUL also provides a death benefit to your beneficiaries, offering comprehensive protection for both your financial needs and your loved ones.
Whole Life Insurance
Provides lifelong coverage that never expires, offering guaranteed cash value growth to ensure financial stability and peace of mind for you and your family.
This cash value grows at a guaranteed rate, making whole life insurance a reliable financial asset. You can borrow against this cash value or use it as a source of savings for future needs. Whole life insurance also offers peace of mind, knowing that your family will receive a death benefit that can be used for final expenses, debts, or to maintain their standard of living.
Our Customers’ Feedback
Your experiences shape us; we value your feedback to continuously enhance our services and support.
Wealth Strategies Financial Solution made securing Term Life Insurance easy and efficient. Their support gives me confidence that my family is protected.
Their Mortgage Protection insurance offers extra peace of mind. It’s comforting to know I’m covered in case of unexpected events.
The annuity I purchased through Wealth Strategies FS ensures a steady retirement income. Their guidance was clear and reassuring.
Wealth Strategies FS’s Indexed Universal Life Insurance not only protects but also grows my cash value. It’s a smart investment for my future goals
F.A.Q.
Here are four FAQs with their corresponding answers for the financial solutions content:
Living benefits allow you to access part of your life insurance policy’s death benefit while you’re still alive if you experience a qualifying terminal, chronic, or critical illness. These benefits provide financial support for medical bills, treatment, or even daily living expenses during a difficult time, offering peace of mind.
Homeowners insurance covers damage to your property, but mortgage protection insurance helps cover your mortgage payments if you're unable to work due to disability, illness, or death. It’s an extra layer of financial security to ensure your home is protected, even if life takes an unexpected turn.
The primary benefit of term life insurance is that it provides affordable coverage for a set period (usually 10, 20, or 30 years). If you pass away during the policy term, your beneficiaries receive a lump sum payment to cover debts, living expenses, or other financial needs, ensuring their financial security.
Annuities convert your superannuation or savings into regular payments that can last for a set period or for life. This steady income stream offers financial stability during retirement, helping you manage expenses and maintain your lifestyle without the worry of outliving your savings.