“Before reaching retirement age, there is a 1 in 3 chance of becoming disabled for more than 3 months as a working Australian
–Calculations based on data from the institute of Actuaries of Australia 200. Interim Report of the Disability
Is it expensive?
The cost to you should be no more than purchasing a policy online. However working directly with me could actually save you money because I make sure you are only covered for what you need and make sure you know what you are covered for.
How long does it take to get the cover in place?
A lot less time than you think. Sometimes policies can take place effectively, others are dependent on the paperwork being processed.
How much do policies cost?
This is totally depended on your individual needs and is designed for you. Plans can be worked out on a payment plan so there is no need to worry about upfront payments.
Do we need to meet in person and who needs to be there?
As I offer a personalised service, I meet my clients face to face. I value my clients and as such give them the respect they deserve by taking the time to meet them in person.
How do I know what policy I need?
I will take your information and give you recommendations and advice on your individual needs and what policy or strategy matches these. I take the time to make sure you fully understand the different policies or strategies you can choose from so that you can make an informed decision. You are not obliged to takeout any of the policies and ultimately it is up to you what you decide.
Is there an upfront fee?
Initially there is no charge. After initially speaking with you for 10-15 minutes we will be able to gauge if we are a match to work together and take things from there. I am always upfront about charges, however as mentioned policies should not be more expensive than purchasing online or direct with insurance companies.