1. Couple currently has no Life, TPD, Income Protection nor Trauma Insurance other than what is standard in their Superannuation Funds. The cover that they have via their Super is minimal and can be ignored.

* Required to determine the types of Personal Risk Insurance they require for themselves and their dependents. The couple has adequate Private Health Insurance.

2. The Couple have not drafted a will nor have they done any estate planning.

- Students are required to advise them of issues affecting their family with respect to estate planning and the alternatives available (e.g. the use of Trusts).

This advice should be general in nature and it should be made clear that a suitably qualified professional in the area of estate planning should be consulted.