Valiant Finance And Insurance Brokers

A great read regarding potential changes to Superannuation. Check out this quote regarding insurance included in Super.
"One problem was the provision of insurance in super accounts. Often it simply isn’t value for money and isn’t invoked.
The commission says some savers end up with cover that is manifestly unsuitable, including “zombie“ insurance policies they can’t even claim on."

If you are paying off a Mortgage and you get sick or injured, do you:
A) Claim on your Income Protection B) Borrow from family and friends C) Sell your home
... If you don't like the sound of options B or C then you need to look at closely at A. What protection do you have in place?
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Why insurance is important to me?
I want to take responsibility for my life and any outcome I am presented with. I don't want to have to plead for help from friends, family or the government. I don't want to resort to having to go on Centrelink benefits.
Until I die I want to be able to take care of myself, my family and all other loved ones. I don't want to be a burden. So, if all things go well, I plan on being able to help all of those around me. But I'm hedging my bets.
... Nothing is certain in this life. I personally know some extremely talented, smart and gifted individuals who have had their life rocked by an accident that wasn't their fault.
It's not fair. It's not. But that doesn't change anything. I never want to be put into a position where I am relying on others for my security.
Insurance is a luxury. There are plenty of expenses to be made before you spend your hard-earned money on insurance. But if you have the means, it may something to consider.
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Have you ever looked at your Super statements and realised that you were paying a fee for insurance that you never set up? Here's a quick summary of the Advantages and Disadvantages of the cover that may already be included in your Superannuation.
*Disclaimer! This refers to insurance issued to you by your Super Fund, not Insurance that you have selected and have chosen to pay through your Super. If you are unsure about the difference I encourage you to ask because it is SO I...MPORTANT!
Advantages -More manageable premiums Because premiums are deducted from your Super, it is much simpler to manage the payments, rather than paying from your personal cash flow!
-No medicals required Medicals aren’t fun. FACT! This can be a good thing if you have medical conditions, however if you are fit and healthy, you may be paying more then you need to.
-Often include Total Permanent Disability Cover (TPD) This pays you out a lump sum amount if you are injured or ill to the extent that you will not return to work.
Disadvantages -Amount of cover may be inadequate You haven’t calculated how much insurance you do need right? So what’s the chances your Super fund just magically guessed how much you would need?
-Trauma Insurance is not available Unable to be paid from Super, Trauma insurance can be a vital tool within your Defensive Investment portfolio. Ask me for more info!
-Unable to guarantee the beneficiary The decision as to who receives the death benefit often rests with the Trustee of the Super fund. If you need absolute certainty as to who will receive the benefit, perhaps a Super fund cover may not be for you.
-Income protection length of cover may not be enough Most Income Protection policies inside Super only provide cover for two years’ worth of income. What if you cannot work for several years after that?
This was a very quick summary. Remember, there is no right or wrong because everyone’s situation is different. If you need any help, you know where to find us.
Any information provided here is only general in nature.
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Are you a Sole Trader?
Did you know that Workers Compensation WON'T cover you if you are injured at work? Income Protection WILL.

Who’s getting the WIN tonight? My tip, knights by 8!

I DON'T WANT YOU TO GET 'VALUE' FROM YOUR INSURANCE! HERE'S WHY.
Take car insurance. You pay your yearly premium, but do you WANT to crash your car and have to claim on your insurance? Hopefully not.
Any other TRUE insurance is exactly the same.
... If you have TRAVEL INSURANCE, I don't want you to lose your baggage.
If you have HOUSE AND CONTENTS INSURANCE, I don't want your house to burn down.
If you have HEALTH INSURANCE, I don't want you to get sick.
If you have INCOME PROTECTION, I don't want you to be unable to work.
If you have LIFE INSURANCE, I don't want you to die!
And this is where my job gets hard. Insurance isn't sexy. It's hard to help people see the value in something that I don't want them to ever have to use. But I write these posts because I truly believe everyone should sit down and create a DEFENSIVE STRATEGY around their own personal circumstances.
If you have ever thought of protecting you or your family with Income Protection, Life Insurance, or Health Insurance, I implore you to send me a PM now. I will make it dead easy and help you create the strategy that will ensure that if something goes wrong, you'll have the right protection in place.
Connor Harding
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I hope you all had a fantastic Easter Long Weekend! I’m back and here to help you with any LIFE INSURANCE and INCOME PROTECTION needs 🤔
Shoot me a PM, text on 0491 037 615, or find me at the gym burning off those wasted calories!

DID YOU KNOW: If you have a $5000 debt with the Commonwealth Bank 'Low rate' credit card with an interest rate of 13.24%, making minimum repayments it will take you 20 years and 8 months to pay off.

Only 5 more sleeps until your Private Health Insurance Premium increases

Play Tetris with your debts and be free sooner!
Check out my blog post below to find out how you can organise your debts and get them paid out a whole lot quicker!

My tip for Pearce’s Rooster Revenge!

I can beat your interest rate by 2% if you have a Personal or Car Loan with one of the Big 4 banks. Refinance with me. PM me now!
Conditions apply.

This could be the most eye-opening 5 minutes of your week!
If you have CREDIT CARD debt you need to watch this.
And yes some people refer to me as the David Attenborough of Personal Finance videos. Enjoy!

Less than 2 weeks until your Private Health Insurance premiums increase.
Got questions about Health Insurance? Ask me!

If you have a Credit Card, or are in Credit Card debt, you need to watch this. You may think you are on top of it by making minimum repayments but as I will prove in this video, you certainly are not. Tune in.

How long would it take you to pay off a $5000 Credit Card debt with a 13.24% interest rate, paying minimum repayments?

Personal/Car Loans between $5000-$35000? Give me a shout because I have lenders with interest rates that are 1-5% lower than the big banks.
If you think you're paying too much on a loan you currently have, why not look at refinancing? No obligation, free consultation!