<Name>

<Company>

<Address1>

<Address2>

<Suburb, State, Postcode>

<Date>

Dear<FIRSTNAME>,

Did you know protecting your income could lower your tax bill?

Protecting your income is important to maintain your quality of life, and provide support for your loved ones, if you get sick or injured. In fact, statistics show that there is a 1 in 3 chance of becoming disabled for three months or more before the age of 651.

Even if you already have some income protection, it’s important to be smart about the structure of your insurance – so the dollars you pay in premiums work harder for you.

For example, did you know that premiums for income protection are generally tax-deductible? Or that you may be able to bring forward the tax deduction to this financial year?

Know where you stand before 30 June

With 30 Junerapidly approaching, now is the time to review your insurances – making sure you’ve got the protection you need, as tax-effectively as possible.

I will call you shortly to arrange a time to review your insurance and super arrangements and see how I can help you maximise the benefits of super, and explore other appropriate strategies to build and protect your wealth.

If you have any questions in the meantime, please call me on <PHONE NUMBER>.

Yours sincerely

<SIGNATURE>

<NAME>

1 Calculations based on data of individual disability income insurance sold by Australian life offices, Institute of Actuaries of Australia 2002. Report of the Disability Committee. IA Aust: Sydney.

This information does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. The tax position described is a general statement and is for guidance only. It has not been prepared by a registered tax agent. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice.

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