Did you know you can use your Superannuation to cover personal risk insurance premiums? Fin15 works with you to create the best insurance structure. We ensure your premiums are affordable and your coverage is comprehensive. Our specialists can recommend a starting insurance portfolio from $2/day paid through your Superannuation (so there are no out-of-pocket expenses). Using this as a strategy may allow you to qualify for premium discounts and works well for students, recent graduates or clients who want to lessen the impact on their personal cash flow. Once you start a new job, Fin15 may also suggest adding Income Protection to complement your existing cover portfolio.
Personal risk insurances are tax-deductible.Fin15 takes into consideration your tax position when providing you with a plan. We analyse your disposable income and recommend the most tax deductable option. Your plan will take into consideration your saving goals. Our specialists work with you to find the best insurance arrangement so you can claim the most tax while being able to efficiently access your claims.
We believe that every person is unique and should select the insurance that fits their needs. Different insurance premium structures can help you achieve your goals efficiently. Fin15 makes sure that our recommended insurances take into consideration your claim qualification, that you meet the condition of release, that it is cost effective and that the small print is explained to you in simple terms before proceeding. We believe you should not be paying for insurance that doesn’t offer peace of mind, so we work closely with you to tailor a unique policy.
We offer Ongoing Support. There may come a time when you need to make a claim, change or update your cover. Fin15 will guide you through this and make sure that you know exactly what to do in the event this occurs. Our specialists also work closely with you through personal situation changes to update your policies and ensure you have the policy that meets your needs and wants.
Fin15 doesn’t have any particular preference toward any insurance companies.
As we are not aligned to any institution, we can select policies from a large pool of insurance providers. For us, providers’ ratings and payout ratios for our customers are critical. We consider these when analysing your personal situation and make our recommendation with you at heart.
Feel free to contact us if you would like to acquire or review your Personal Risk Insurance.