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		Insurance is a financial safety net for you and those closest to you, because you never know what's around the corner. No one likes to think about the 'what's ifs' - but unfortunately they do happen. Insurance is a way to plan ahead so that an accident or an unexpected illness doesn't mean severe financial hardship for yourself, your family or your business. WHK specialist risk and insurance planners have an intimate knowledge of the insurance industry, and will aim to direct you to the most appropriate cover for all aspects of your life. What you need for peace of mind   WHK insurance and risk advisers take into consideration your financial, family, business and personal circumstances and map out a secure, affordable and relevant protection plan. You can be confident that our advice will match your needs with insurance products that represent real value. Leave the qualifications and translations to us   We know only too well how difficult it is to wade through the terms and conditions of policies and make a valued judgment. We appreciate how challenging it is to evaluate an insurance provider as to their stability, integrity and payout history. WHK make it our business to do this for you. WHK investigate and judge each insurance policy against the following criteria: The value of the cover Contract definitions Cost of premium in relation to cover Insurance provider stability Payout history of insurance provider Impact of disclaimers Clarity of policy Types of insurance considered: Personal   • Life   • Critical illness   • Total and permanent disability   • Income protection Business   • Key person   • Shareholder protection   • Loan protection   • Buy and sell agreements   • Appropriate ownership structures (tax implications) Protecting you and your future is important – let WHK help you get it right Any financial services advice is provided via Representatives authorised to WHK Group's Australian Financial Services Licenses: Investor Financial Planning Pty Ltd (AFSL No 238244); and Prescott Securities Limited (AFSL No 228894).

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WHK Total Financial Solutions Telephone: 1300 WHK TFS