LIFE INSURANCE & PERSONAL PROTECTION
PLAN FOR YOUR RETIREMENT WITH LEGACY FINANCIAL SERVICES IN BUNDABERG
PROTECTING WHAT MATTERS MOST
Life is unpredictable — but the right insurance strategy can provide certainty when it matters most.
At Legacy Financial, we help individuals, families, and business owners protect their financial future with tailored insurance solutions.
Whether you’re safeguarding your income, your family, or your business, we provide clear, practical advice to ensure you have the right level of protection in place.
PERSONAL INSURANCE SOLUTIONS
We provide advice across a range of personal insurance options, helping you understand what cover is appropriate for your situation and how it fits into your broader financial plan.
LIFE INSURANCE
Life insurance provides a lump sum payment to your beneficiaries in the event of your passing. This can help cover debts, ongoing living expenses, and provide financial security for your loved ones.
TOTAL AND PERMANENT DISABLEMENT (TPD) INSURANCE
TPD insurance provides financial support if you become permanently unable to work due to illness or injury. It can help cover medical costs, rehabilitation, and long-term living expenses.
INCOME PROTECTION
Income protection insurance provides ongoing payments if you’re unable to work due to illness or injury. This helps maintain your lifestyle and meet financial commitments while you recover.
TRAUMA / CRITICAL ILLNESS INSURANCE
Trauma insurance provides a lump sum payment if you’re diagnosed with a serious medical condition such as cancer, stroke, or heart disease. This can help cover treatment costs and reduce financial stress during recovery.
BUSINESS INSURANCE SOLUTIONS
For business owners, insurance plays a critical role in protecting both personal and business interests.
KEY PERSON INSURANCE
Protects your business against the financial impact of losing a key employee or owner who is critical to operations or revenue.
BUY/SELL COVER
Provides funding to facilitate ownership transfer if a business partner passes away or becomes permanently disabled, helping ensure business continuity.
BUSINESS EXPENSE COVER
Helps cover ongoing fixed business expenses if you’re unable to work due to illness or injury, keeping your business running during difficult times.
SUPPORT WHEN YOU NEED IT MOST – CLAIMS ASSISTANCE
Making a claim can be a complex and emotional process. We’re here to support you every step of the way.
We assist with:
- Understanding your policy and entitlements
- Preparing and lodging claims
- Communicating with insurers
- Navigating requirements and documentation
Our goal is to make the process as smooth and stress-free as possible, so you can focus on what matters most.
TAILORED ADVICE THAT FITS YOUR LIFE
Insurance should never be a one-size-fits-all solution. We take the time to understand:
- Your personal and family circumstances
- Financial commitments and liabilities
- Income and lifestyle needs
- Business structures and risks
- Existing cover (including superannuation policies)
This allows us to recommend appropriate levels and types of cover that align with your overall financial strategy.
FREQUENTLY ASKED QUESTIONS
HOW MUCH LIFE INSURANCE DO I NEED?
The right amount depends on your debts, income, dependants, and future financial obligations. We tailor recommendations to your situation.
WHAT IS THE DIFFERENCE BETWEEN TPD AND INCOME PROTECTION?
TPD provides a lump sum if you can never work again, while income protection provides ongoing payments if you’re temporarily unable to work.
CAN I HOLD INSURANCE THROUGH SUPERANNUATION?
Yes, some insurance can be held within super, but it’s important to understand the benefits, limitations, and tax implications.
WHAT CONDITIONS ARE COVERED BY TRAUMA INSURANCE?
Trauma insurance typically covers serious illnesses such as cancer, heart attack, and stroke, depending on the policy.
DO BUSINESS OWNERS NEED SPECIALISED INSURANCE?
Yes. Business owners often require additional cover such as key person insurance and buy/sell agreements to protect business continuity.
WILL YOU HELP IF I NEED TO MAKE A CLAIM?
Yes. We provide ongoing support throughout the claims process to help ensure everything is handled correctly and efficiently.
WHY CHOOSE LEGACY FINANCIAL FOR INSURANCE ADVICE?
PERSONALISED COVER STRATEGIES
Insurance recommendations tailored to your lifestyle, family, and financial goals.
COMPREHENSIVE PROTECTION ADVICE
Guidance across life, TPD, income protection, trauma, and business insurance.
INTEGRATED FINANCIAL PLANNING
Insurance aligned with your broader financial and investment strategy.
CLAIMS SUPPORT YOU CAN RELY ON
We assist you through the claims process when it matters most.
CLEAR, HONEST ADVICE
No jargon — just straightforward recommendations you can trust.
Get Expert Life Insurance Advice Today
Protect your future with confidence — call our insurance advisers on (07) 2114 8320 to discuss your cover today.
Call (07) 2114 8320 to secure the right cover for you and your family.
