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Your most valuable asset is your ability to earn an Income

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Is designed to pay you an ongoing monthly benefit, which is generally 70% of your ‘Annual Income’ in the previous 12 months prior to claim. 

In the event you are unable to work due to a ‘Sickness or Injury’, once you have surpassed your ‘Waiting Period’.

This is the period of time between when you are first unable to work due to illness or injury until you are eligible to receive a benefit payment.
Income Protection generally pays up to 70% of your annual income plus super (optional) while on claim. * Income $80,000 = $4,667 / Month + Super. *
This is the period of time that you may receive ongoing benefits/payments as a result of a claim due to an injury or sickness.




In the event of your death, a Lump Sum payment is to be made to your loved ones to provide financial support in your absence.



Generally this amount of cover is calculated to pay out your debts and provide your remaining family an ongoing income now and into retirement.

Total and Permanent Disablement (TPD):

That in the event you are disabled to the extent, that you will most likely be unable to ever work again in your occupation or in any other suitable occupation, then a lump sum payment is paid to help your financial needs now and into the future.



Generally this amount of cover is calculated to pay out all your debts and provide you a lump sum payment to cover your ongoing expenses now and into retirement.


Is designed to protect you financially from the impact of illnesses such as cancer, heart attacks and strokes, by providing a lump sum payment should you meet the policy definition of the critical condition.



Generally this amount of cover is calculated to payout your Home loan and contributes towards your medical expenses.







If YES, state the 'Life Company'


Michael Lobodarz, Authorised Representative (no. 256607), Director of BDM Financial Services Pty Ltd ABN 53 115 925 141, Corporate Authorised

Representative (no. 319619) of, The FinancialLink Group Pty Ltd., ABN 12 055 622 967 Australian Financial Services Licensee (no. 240938)