An integral component of a well structured and successful financial strategy is the protection of your personal and financial well being from the impacts of illness, injury, permanent incapacity, traumatic illness and death. 

Many people have considered personal insurance for the purpose of paying out a mortgage in the event of their death, but very few consider the significant impact disability or serious ongoing illness will cause.

Suffering a disability, traumatic or serious ongoing illness will generally reduce your ability to earn an income. In most cases this will lead to drawing on savings or home equity to cover medical and day to day living costs. This has significant impact on future saving’s capacity, reduces capital available for retirement and in many cases permanently reduces the planned standard of living.

Following requests from our clients for quality advice on structuring personal insurance protection Dixon Advisory has incorporated a team of specialist Insurance Advisors within our broader Advisory division.

The Dixon Insurance team will:

  • Focus on structuring a package for you to maximise tax concessions and to incorporate your cashflow requirements;
  • Recommend products from a range of top rating insurance providers, so you benefit from the most appropriate and affordable package for your situation;
  • Work with you to arrange cover allowing for existing medical conditions, non conforming employment arrangements and business owners; and,
  • Specialise in structuring ‘whole-of family’ packages within Self Managed Superannuation funds to protect each generation - from young adults just starting work, to young families, through to retirees.

During a one hour insurance-only appointment your advisor will work with you to calculate an appropriate amount of cover for your situation. Consideration will be given to any existing policies held, including those that form part of your employment arrangements – such as defined benefit death or disability pensions.

All recommendations are documented in a Statement of Advice which is supplied following the meeting. This important document outlines the types and level of cover recommended and the relating premiums, including commissions, that are payable. An explanation of how these levels of cover have been calculated and the cashflow impact is also included.

Insurance appointments are available in all offices, and can be booked by contacting us on 1300 852 017 or emailing insurance@dixon.com.au.




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