CCA Financial Planners

Reduced Interest Rates

FinanceBy Christopher Cachia 05.10.12 Leave a comment

The NAB and CBA have today announced a reduction in their variable mortgage rates of 0.2%. While this is not the full 0.25% cut by the Reserve Bank on Tuesday, it is certainly welcomed by all of us with a mortgage. NAB’s cut will come into effect on October 8, saving $50 per month on…

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Why do I need income protection insurance if I have workers’ compensation?

Income Protection InsuranceBy Christopher Cachia 03.10.12 Leave a comment

Have you ever wondered what would happen if you suffered a serious injury or illness which meant you were unable to work? For many people, the reality of being without the means of earning an income could mean significant financial hardship for them and their families. As an employee your employer will (or should) have…

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Buy/Sell Life Insurance Agreements – a Business Guarantee

Life InsuranceBy Christopher Cachia 26.09.12

Business partnerships are common but there is a concern about the business surviving the tide should one of the partners die or suffer a permanent disability. Typically, a successor is not the immediate solution to a surviving partner but it may be difficult not to have one if the business has to continue. The remaining…

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Taking on Life Insurance for SMSF Member

Life Insurance, SuperannuationBy Christopher Cachia 24.09.12 Leave a comment

As the sole earner or as a contributing earner in a family, life insurance is important. Family members may suffer financially in the event the earner meets an untimely death. The financial burdens to take care of can be tough. Ensuring that there is financial security in place will help keep the family from economic…

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Providers to Uplift the Under-insured Sector

Income Protection Insurance, Life Insurance, SuperannuationBy Christopher Cachia 21.09.12 Leave a comment

Changes are about to happen to many fund members whose cost benefits have been overlooked by SMSFs. Over 20,000 clients under the self-managed superannuation fund (SMSF) who have been under-insured will be offered automatic life coverage of up to $750,000. According to AIA Australia, this is the aim of insurance groups and financial advisers to…

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Income Protection Insurance – Protect your Income Today

Income Protection InsuranceBy Christopher Cachia 07.09.12 Leave a comment

Have you ever thought about insuring your income? If no, you are not alone since many income earners tend to overlook this important type of Insurance. Your income covers your needs and some luxuries in life. If you are the sole breadwinner in the family, your income is not solely for your needs but also for the entire…

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