It doesn't need to be clinical and daunting. You don't need to already be "wealthy" to be able to benefit from our advice.
Our aim is to provide simple, affordable and personalised financial planning advice to all of our clients.
Whether you're starting your wealth creation journey, are ready to retire or just looking for one off advice about a particular matter, Insurance Matters QLD is here to help.
That's why we promise we'll be open and honest about any costs. At your first meeting (which is at our cost, not yours), we'll be able to discuss whether there is a real need to put together any written advice. If not, that's fine and hopefully you'll have gained some extra knowledge or a solution to your issue.
If it's agreed that we'll move forward to research and prepare written advice and recommendations for you, then a fee will be discussed and agreed upon. There's no "one size fits all" approach to our fees. The amount charged depends on the type and complexity of the advice you need.
You'll never be in a position where you're not in control of the process or are talked into paying for services you don't need. That's our promise to you.
By having a very sound knowledge of how a Home Based/Mobile Travel Agent operates has allowed me to explain your work model to the insurance companies so they understand how you get paid, how you generate business (for example, no sign out the front of your home and in most cases no dedicated entrance to your home office) and how you deal with clients and book the great holidays they desire.
Now that you are self employed you no longer have employer funded benefits such as paid sick leave and paid holidays. You do not even have access to workers compensation. So the right level and type of insurance, particuarly income protection insurance, is more important than ever!
You may think you have enough insurance inside your super fund, but are you still making contributions to that super fund? Some super funds cancel any insurance cover if no contributions have been made in the last 12 months. Now you have left your paid employment, usually you are moved from the corporate super scheme into the retail scheme where the fees and insurance premiums tend to increase, in some cases quite dramatically!
Why not let me research what insurance and superannuation you have in place to see if it still meets your needs. This process is very easy - just one page to sign - and costs you nothing. It will give you peace of mind knowing what insurance cover you have in place and could save you thousands of dollars per year.
Remember, without the right insurance in place you are on your own!
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Karen Le Comte, Smartline Cleveland
Karen's knowledge, passion and client focus has seen her become one of the most highly respected and recognised mortgage brokers in Australia, with a string of Smartline, industry and business awards. She prides herself on the highly personalised mortgage advisory service.
Kate Koric, Gemini Insurance Brokers
Kate has worked within the industry for the past 20 years moving from Underwriting to Broking in 2001. Holding Senior roles within independent brokerages over the past 10 years has allowed her to experience all aspects of the industry.
Insurance Matters QLD welcomes your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!
Life Insurance provides insurance cover that pays a lump sum benefit to your Estate if you die during the period of cover.
If you're the main income earner in the family, life insurance can help provide a stable financial future for your loved ones if you pass away prematurely. It can help your family cope with major household expenses, such as paying off the mortgage, education costs and funeral expenses.
How much cover do I need?
Most review their life insurance at key stages during their lives, like:
Insurance Matters QLD is equipped to advise you in all situations. We can assist you to determine the amount of cover you require, arrange quotes from reputable life insurance companies and advise on matters like whether you should take a joint policy with your partner.
Total and Permanent Disability (TPD) cover is life insurance that pays out if the insured person becomes Totally and Permanently Disabled.
In the event of a claim, the TPD payment can be used to eliminate debt, pay ongoing medical expenses, make necessary home modifications, or hire home care services such as nursing, cleaning and cooking.
It is usually purchased as an additional option on another policy but can be purchased on a ‘stand alone‘ basis.
Insurance Matters QLD can advise you on the appropriateness of this cover.
Trauma insurance pays a lump sum in the event that you suffer a major injury or illness such as heart attack, stroke or cancer.
This type of cover is designed to help you cover medical expenses associated with the trauma and other costs that your family may be exposed to. Also, it can often be combined with Life and/or TPD cover at a discounted price.
Basically trauma insurance fills in the gap between life insurance, TPD insurance and income protection insurance.
For example, an insured person who suffers a mild stroke and is able to return to work after 3 months would not be able to claim under their life insurance or TPD and may not be able to claim under their income protection policy.
That's why you should seek advice from Insurance Matters QLD for advice on this or any other type of insurance.
Income Protection insurance is probably the most essential type of insurance cover because your income determines your standard of living, your ability to build wealth and your capacity to provide for retirement.
It provides you with an income should you become unable to work due to an injury or sickness. Benefits are paid monthly. The amount of cover is usually restricted up to 75% of your gross salary. Premiums are tax deductible for most taxpayers and the income is assessable because it replaces lost 'assessable' income.
The choice of cover depends entirely on your individual circumstances.
Because of the number of choices, advice from Insurance Matters QLD is essential.
For example:
Business Expenses insurance is like Income Protection for your business.
It enables your business to continue to operate if you are temporarily disabled and unable to work.
If your business stops operating, your income might be covered by Income Protection, but if the ongoing expenses of the business (for example rent, business mortgage or loan repayments, equipment leasing costs and utilities payments) aren't covered, the owner might need to use the income protection proceeds to pay those, to keep the business out of bankruptcy.
Ideally, a business owner would have the business's net profit covered by income protection, any loans covered by life insurance (possibly with some TPD cover) and the expenses covered by business expenses insurance.
Make sure you speak to Insurance Matters QLD before you make any business insurance decisions.
Insurance Matters QLD can help reduce your super stress
How many super statements did you receive this year? Do you find it hard to keep track of your super accounts? Have you lost some of your super over the years? You're not alone. Speak to us and we can take steps to take to sort it out and save on fees.
The benefits of putting all your small super into one account include:
When consolidating your super, we don't just choose the fund with the highest balance. The best fund for you may be one of your small accounts, or even a completely new fund.
Consolidating your super fund accounts takes a bit of effort in the short term but will reward you in the long term. Save the hassle and let Insurance Matters QLD take care of everything for you. Feel in control and watch your super grow.
