The Private Practice eZine Autumn 2013 Page 68

This advertisement was prepared by MLC Limited (ABN 90 000 000 402, AFSL 230694) of 105153 Miller Street, North Sydney NSW 2060. MLC Limited is the issuer
of MLC Insurance. MLC Nominees Pty Limited (ABN 93 002 814 959, AFSL 230702) is the issuer of MLC Insurance (Super). It's intended to provide general information
only, without taking into account any person's objectives, financial situation or needs. A person should consider the appropriateness of the information having regard to
their personal circumstances. You should read the Product Disclosure Statement for the products before making any decision about whether to acquire or hold the
product. A copy of the PDS is available by phoning MLC on 132 652 or by visiting our website at mlc.com.au. MLC Limited is a member of the National Australia Group
of companies, and your policy does not represent a deposit with, or a liability of, National Australia Bank Limited (ABN 12 004 044 937, AFSL 230686) or any other
member of the National Australia Group of companies (other than a liability of MLC Limited as insurer). 651689M0213

New South Wales: Warren Skinner, Fintuition (02) 9362 5050.
Victoria: Denis Durand, Durand Financial Services (03) 9909 7553.
Queensland: Scott Moses, Lane Moses Private Wealth (07) 3720 1299.
South Australia: Andy Murdock, Ora Financial Strategies (08) 8211 6611.
Western Australia: Wayne Leggett, Paramount Wealth Management (08) 9474 3522.

When setting up your practice, you may have borrowed money (or entered into

debt) to finance it.
If so, you should make sure you, and other key people

, have suitable insurance

cover against death, total and permanent disability and critical Illness.
Because if something happened to you, or another key person (such as your

associate/s), the insurance payment could be used to reduce or repay debts, and

protect any personal or business assets used as loan security.
To find out about the types and amounts of protection you may need, please speak

to The Private Practice endorsed Financial Adviser, details of which are below.

Are your

assets worth

protecting?

1 For the purpose of this strategy, a key person must have an interest in the debt and will usually

be an owner, loan guarantor or third party who has left money to the business.

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