Your biggest asset may not be your home or property portfolio. It could be your ability to keep earning an income. But what happens to everything you’ve built if illness, injury or death suddenly takes that income away?
In Episode 618 of The Property Couch, Ben is joined by Chemere Brown, Head of Financial Planning at Empower Wealth, and Don Glendinning, Regional Sales Manager at NEOS, to unpack the personal insurance safety net behind your wealth plan.
Through real-life claim stories, they explore:
- 🏠 Whether your family could keep the home and investment properties without your income
- 🛡️ What life, TPD, critical illness and income protection actually cover
- 💰 Why default insurance through super may not be enough
- 📉 The danger of cutting cover when household budgets are already stretched
- 👨👩👧 Why both partners may need protection—even when one earns significantly less
- 🩺 How underwriting and disclosure affect future claims
- 🔄 When your insurance should be reviewed as your life, debt and portfolio change
You’ll also hear how one melanoma led to a $317,000 payout, why some Australians may be entitled to claim without realising it, and how the right protection can give a family choices at the moment they need them most.
Because building wealth is only half the plan. You also need to protect it.
FREE STUFF MENTIONED
🛡️ FREE 2-Minute Insurance Health Check
Could your family maintain its lifestyle and keep its properties if your income stopped? Work through the checklist and identify areas worth reviewing.
👉 Take the quiz now!
🏡 BONUS Case Study: Existing Investors
See what happens when existing investors buy again under different negative gearing rules...and where their cash and offsets should sit for the strongest outcome.
Use code COUCH17 to access the complete series for just $17 (RRP $197).
👉 Start watching the series now
📞 Complimentary Insurance Review
Unsure whether your current cover still reflects your income, debts, family and financial goals? Speak with an Empower Wealth specialist to understand your current position and any potential protection gaps.
👉 Book a complimentary review
LISTEN TO THE FIRST 20 EPISODES HERE >>
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- How to Build a Property Portfolio and Retire on $2,000 a week >>
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