Risk and insurance strategies for doctors, dentists and health professionals.

Years of study. Specialist training. Long hours. Building a reputation. Perhaps establishing or buying into a practice.

A career in healthcare takes an enormous investment to build.

And much of the financial return on that investment depends on one thing:

Your ability to keep practising.

At Twenty20 Risk Navigators, we help health professionals protect their income, family and practice against the financial consequences of illness or injury.

[Talk to Us About Your Risk Strategy]

Health professionals understand better than most that good health isn't guaranteed.

But it's easy to underestimate the financial impact when the patient is you.

What happens if an illness or injury prevents you from consulting, operating, performing procedures or treating patients?

Could your family maintain its lifestyle?

Could you continue meeting your mortgage and other financial commitments?

If you own a practice, could it continue paying staff, rent, equipment finance and other overheads while you're unable to generate revenue?

And importantly:

What if you could still work — but could no longer perform the specific duties that generate most of your income?

For some health professionals, an injury to a hand, deterioration in eyesight or another medical condition may have a disproportionately large impact on their ability to practise.

You may have accumulated significant assets and income, but you may also have significant commitments built around that earning capacity.

Your current wealth is important. But your ability to generate future income may be worth considerably more.

Twenty20 Risk Navigators helps health professionals identify where illness, injury or death could create financial pressure and develop a strategy around those risks.

Your strategy may consider:

Protecting Your Income & Lifestyle

Income Protection • Total & Permanent Disability • Trauma / Critical Illness

Helping create financial support if illness or injury affects your ability to practise, earn an income or continue performing your usual occupational duties.

For health professionals, policy definitions matter.

It's not simply about how much insurance you have. It's understanding when it may respond, how your occupation is treated and what being unable to work actually means under the policy.

Protecting Your Family

Life Insurance • TPD • Trauma / Critical Illness

Helping provide financial security for your family if your income suddenly stops or your circumstances change permanently.

The right amount isn't necessarily based on a multiple of income.

We consider your debts, family requirements, existing assets, future financial goals and the capital your family may actually require.

Protecting Your Practice

Practice Debt • Key Person Insurance • Business Succession • Buy/Sell Funding

If you own or have an interest in a medical, dental or allied health practice, your personal health can also become a business issue.

There may be practice debt, equipment finance, employees, other practitioners and business partners relying on the practice continuing.

We can help consider what happens to those commitments — and your ownership — if you can't continue practising.

Insurance doesn't need to be forever.

Early in your career, you may have significant debt, a young family, limited accumulated assets and decades of future income ahead of you.

As your career progresses, that changes.

Your mortgage reduces. Investments grow. Superannuation builds. Children become independent. Practice debt is repaid. Your personal wealth increases.

Eventually, you may reach a point where you can financially carry more of the risk yourself.

That's why we believe a good insurance strategy should have both an entry strategy and an exit strategy.

Our role is not simply to recommend insurance.

It's to help you understand:

What happens if you can't practise?

How long could your family maintain its lifestyle without your income?

What happens to your practice and its financial commitments?

And how much of the risk can you already afford to carry yourself?

Then we help build a strategy around the risks that matter — and continue reviewing it as your career and wealth evolve.

Where your needs extend beyond insurance, our Professional Partner Network can also connect you with specialists across wealth advice, estate planning, accounting, general insurance, property and finance.

You look after the health of others.

We'll help you protect the financial health of what you've built.

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Twenty20 Risk Navigators
Navigate the risk. Protect what you're building.