Who will pay your bills if your income stops? How do you guarantee your personal financial security should catastrophe strike? Nothing can compensate emotional loss though it is possible to protect yourself financially if catastrophe strikes. Income protection can guarantee your income should disability strike.

We can assist in determining the appropriate protection strategy whether it be life insurance protection that can incorporate permanent disability, trauma insurance or income protection to protect your financial future. Life, permanent disability or trauma insurance potentially can provide a lump sum cash benefit should the need arise and give you some peace of mind.

Term life

Term life insurance provides a lump sum payment for your family to ensure the plans you had for them can be achieved in the event of your death. It also enables the financial obligations of your business to be met.

Total and Permanent Disability

Total and permanent disability insurance provides a lump sum payment if you suffer an illness or injury and are permanently unable to work. This will help you maintain your current lifestyle whilst paying the additional expenses that arise as a result of an ongoing illness or injury.


Trauma insurance provides a lump sum payment if you suffer one of a list of major medical traumas, and will help you obtain the best medical and rehabilitation care and also change your lifestyle if you wish.

Income protection

Income protection insurance provides a regular earnings replacement if you suffer a sickness or injury and are temporarily unable to work. This will help you maintain your and your family’s lifestyle until you are able to return to work.

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Quadrant Securities Wodonga Pty Ltd ATF QS Wodonga Unit Trust (CAR No. 1261334),  are Corporate Authorised Representatives of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No. 223135.