Welcome to the Summer edition of the Grow. Protect. Enjoy. newsletter.

Another Christmas is here and while many of us are wondering what happened to the last 12 months, the rest of us are looking forward to the festive season as a chance to relax and rewind.

Summer has also arrived early this year with storms and bushfires already affecting many parts of our country. As this is our Christmas edition we don’t want to dwell on sad events, but it is a good time to review how well you are protected if the worst does happen.

On a lighter note, with lotteries regularly creating instant millionaires, what would you do if you got that call? Once the excitement has passed, there are important decisions to be made. We’ve suggested a few ways to manage instant wealth, in whatever form it arrives.

We hope you enjoy this Summer edition of Grow. Protect. Enjoy. and on behalf of all of us here at Grow Protect Enjoy Top Level , I wish you a safe, happy and relaxing Christmas.

Kind regards,

Frances Hesse

5 ways to give your Christmas a makeover

These days Christmas appears to be more of a retail festival than a religious event, and while it can be a season of joy for many, it is a time of stress or loneliness for others.

If the ‘Xcesses of Xmas’ have been getting you down, or if you just want to shake up your usual routine, here are some ideas to help you re-write the rules, create a new meaning or start a new tradition for doing Christmas Day your way.

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A good time to review your insurance

Not a year goes by without some part of Australia being devastated by a natural disaster – sadly, this year hasn’t been any different.

Bushfires, floods, storms and tropical cyclones are a part of our lives. Unfortunately no one knows when or where the next disaster might strike so it’s impossible to prepare for an exact event.

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You’ve won! Now what?

Lottery prize pools now amass huge amounts, regularly turning everyday Aussies into instant multi-millionaires. But being ‘struck rich’ is not only based on luck.

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Planning ahead for the “Sandwich Generation”

Are you taking care of elderly parents? Do you still have adult children living at home? Do the words ‘meat’ and ‘sandwich’ strike any chords with you? You could be a member of the “Sandwich Generation” without realising it!

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