“If a child, a spouse, a life partner or a parent depends on you and your income, you need life insurance .”
– Suze Orman


“You don’t buy life insurance because you are going to die, but because those you love are going to live.” – Uknown Author

Would you buy a new car and NOT take out comprehensive insurance on it? Of course not!
The same should apply to your finances. Think of yourself as an economic engine with tremendous potential. What if you suddenly find yourself without an income, or are unable to work due to illness, injury or an unfortunate accident? There are ways to protect yourself if the unforeseen happens and they are at the heart of our Protect philosophy.

“Would you agree that the only person who can take care of the older person you will someday be – is the younger person you are now?” – Unknown Author

After creating a solid plan for your future, it’s time to protect those dreams by taking out insurance. The absolute best time to do that is when you’re least likely to need it. Premium scales are based on your age and health at the time of purchase so putting cover in place early in life is best. Incorporating insurance into your monthly budget now is a sure-fire way to ensure it becomes part of your everyday life. Sadly, too many people are at risk of losing everything they have worked hard for because they do not have the right, or any, insurance. Please, don’t let that be you.

There are four main types of insurance that are necessary for maximum protection:

  • Life Insurance
  • TPD: Total and Permanent Disability
  • Trauma Insurance
  • Income Protection

We’re Here to Help

Keystone Financial will help you design an insurance package that is appropriate for your situation so you can sit comfortably knowing that your assets, your business and your family are well protected. We’ll help you answer the important questions, like how much cover is enough, when is the best time to take out insurance and when can you start to lower your premiums. This part of your financial life is necessary to lower your risk of financial tragedy. You owe it to yourself, your family and everything you’ve worked for (and will work for), to be properly protected.

Do You have Wealthy Habits?

The vast majority of rich people didn’t get there by accident or luck. Accumulating wealth requires maintaining a specific set of habits that foster prosperity. See how you stack up with your Wealthy Habits.

Our Great Financial Life Designer

PJ Patterson

I am a financial problem solver and whether it is personal or business related I will help you figure it out. I have the skill set, background and network to advise on any financial problem you need to solve. I’m a contrarian by nature and will not accept the status quo. Finally, if you want a professional that has your back, my firm and I will be there for you.

PJ Patterson, CEO of Keystone Financial offers his take on global macro markets and how they affect you.