PERSONAL

In the event of death, this benefit will provide your family with a tax free lump sum which could be used to:

a. Repay your mortgage and outstanding liabilities.
b. Provide sufficient capital that when invested the income will maintain your families standard of living.
c. Fund your children’s education.
d. Meet medical and associated expenses.
e. Provide for a child with special needs.
f. Provide for any other need.
The policy can be owned personally or in superannuation. When the policy is owned personally the benefits will be tax free. When the policy is owned in Superannuation the benefits will be tax free provided they are paid to a spouse or financially dependent beneficiary.

BUSINESS

There two categories of business cover
1. Keyman insurance
2. Shareholders or Partnership insurance

In the event of death, this benefit will provide the following:
a. Funds to meet outstanding liabilities that you have guaranteed.
b. Provide funds to enable your company to replace your skills.
c. Ensure the company will continue without a cash flow crisis.
d. Provide funding to ensure that your family receive fair value for your share in the business.
e. Ensure that you are not left with a business partner you do not want.

The ownership of these policies will result in different tax consequences and advice must be sought.

Our Testimonials

We could not have been more pleased with our experience with Gillman and Associates. Brian is incredibly knowledgeable and took the time to explain all of our options to us in detail. He guided us through the insurance process with a high level of expertise so that we felt confident and comfortable with our decisions. I highly recommend Gillman and Associates!
Now I know why (anon) says you are the best. We both feel that you are looking after our best interest.
I make it a point not to teach bricklayers how to lay bricks. I just find the best bricklayer I can, and trust his advice.
Just a quick note to express my appreciation for the fantastic job that you do for me. You’ve always had my interests at heart .Your advise based on your amazing product knowledge and my needs, and your genuine concern for our well being has built great trust over the past Ten years that you’ve taken care of us .