Posted in Why Dean is a Legend

I completed a Life Insurance Assessment for a client today and, in effect, I recommended that they borrow to pay for their Life Insurance premiums. I calculated that the overall cost to borrow the Annual Premiums, including the Interest, was lower than paying the premiums monthly. Premium Frequency Loadings: Life Insurance companies usually add a 'premium frequency loading' if you elect to pay the premiums on a Monthly, Quarterly or Half-Yearly basis. Home Loa...

One of the advantages of having Life Insurances included in your Qsuper Superannuation fund was that you are automatically accepted (up to a certain amount). If you couldn't obtain cover direct with a Life Insurer, at least you still had some Life Insurance in your Super. I've just researched Qsuper's latest Life Insurance Benefit Guides (for a comprehensive Financial Plan I am preparing for a client), which confirms that whilst Qsuper automatically provides Death cover...

Here's an example of how easy it can be to plan your future with a professional Financial Planner. One of our client's recently contacted me to discuss if they could afford a trip to Europe in 2013. As they were a Total Service Financial Planning Client, we had all of their updated information on file, including their current Expenditure Analysis and details of their Income. I completed the projection this morning for them and determined that they could afford to pay fo...