Are you employed or self-employed?

  • Would you have a back-up source of income if you were unable to work?
  • How long could you live off your savings alone?

What is income protection?

If you’re like most people, your way of life is at least partially dependent on your ability to work. Therefore, an extended absence because of sickness or injury could be devastating to your lifestyle, and that of your family.

Income protection is designed to help in such circumstances — replacing your income if you are unable to work as a result of sickness or injury.

The maximum cover is usually 75% of earnings. However,optional additional benefits may be available.

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Providing for your family

  • Do you have a partner and/or dependants?
  • Would they be able to sustain their lifestyle without you?
  • Do you have any other financial commitments that rely on your income?

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Helping you recover

  • Would you have sufficient savings to cover large out-of-pocket medical bills?
  • Could you afford to reduce your working hours if you needed to improve your health?
  • Could you afford for your partner to take some time off work to look after you?

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Protecting your financial security

  • Do you have a partner and/or dependants?
  • Do you have any other financial commitmentsthat rely on your income?
  • Could you afford to pay someone to look after you if you needed long-term care?

What is TPD insurance?

A permanent disability can place enormous strain on a family’s financial position. Not only can you be left without an income, but there are often additional costs that come with being disabled, some of which can stay with you for a number of years.

Often abbreviated to TPD, Total and Permanent Disability insurance is designed to help you and your family cope financially in such a situation — paying you the insured amount if you can no longer work due to sickness or injury.

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Securitor Financial Group
Securitor Financial Group Ltd
ABN 48 009 189 495
AFSL & ACL 240687



Advanced Roof Restoration

We have been associated with Wes Curnow for over 18yrs when we first commenced our business. Wes is a highly professional and trustworthy individual and we are more than impressed with the handling of all aspects our insurance matters.    Wes is very approachable and we have the highest regard for him both professionally and personally   Mick & Flo...

Sherry Thomas

Having experienced 3 events covered under our Risk Insurance. Namely; Death, Trauma & Income Protection. My husband and I have had the fortunate advantage of having Wes Curnow from Maximum Wealth Strategies to guide us through the maze of paperwork and support our claim applications.   We didn’t even realise we were eligible to claim after one such event until Wes advised us he...

Petar Gvozdenovic

I have been dealing with Wes Curnow for a number of years now in relation to my ongoing Income Protection claim. I have found his advice and assistance in relation to the management of my claim nothing but first class. I would highly recommend his services to any one that needed advice in respect to personal insurance knowing that if a claim arose Wes would be there to take you through this...

R and N Lombaert

We have dealt with Wes Curnow as our personal insurance adviser for many years. His insurance knowledge and advice has been of great benefit to us.Wes has been very supportive and proactive especially when we required guidance to take us through the claims process when we needed to make a claim. His service has gone beyond expectations in obtaining the best possible outcome during the years we...

Neil Johnstone

I have been dealing with Wes for over 20 years and have always found he displays a professional image and unquestionable integrity.Recent claims were trouble free due to the explanations of insurance jargon broken down to simple English terms.Nothing is too much trouble for Wes despite his hectic workload. Neil Johnstone

Robyn Sullivan

I was referred to Wayne Barber of Maximum Wealth Strategies when I retired in 2007.Wayne has been an enormous help in everything financial.  I have found Wayne to be very professional and a wealth of information in all aspects relating to money matters in my retirement.Thank you Wayne, Robyn Sullivan

Trevor and Dee Vyner

We have been dealing with Wes Curnow for over 10 years. We have found him to be very helpful and caring. His advice and support to our family has been very much appreciated especially when we needed help to make a claim for a family illness. His ability to make a tough process run smoothly was exceptional. The peace of mind in obtaining money swiftly when it was most needed for our family was a...

Bron & Vyner Smithwick

Rozz Curnow has been our financial advisor for many years.  She has an astute knowledge and perception of the financial climate. She is a caring and ethical person, making suggestions for our financial needs always with our wishes and best interests at heart. She is meticulous and never hurried in her explanations and discussions of financial options.Rozz has helped us with our...

Tania Harrison

I was referred to Wes Curnow from M.W.S. eighteen months ago in regards to my income protection claim. During that time Wes turned a mountain of paperwork and legal jargon into an easy manageable process. Wes took out the burden in what was a very stressful time in my life. I could not have managed my claim without Wes's assistance. Wes's professionalism and knowledge is exceptional. I would...