Human Insurance | Insurance inside your superannuation explained
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- Опубликовано: 18 авг 2020
- Human Insurance. Life Insurance explained. Wealth protection. Insurance inside Superannuation Explained. Whatever you call it, this is how to insure a human!
To try your own insurance needs analysis, get a quote, or book in a meeting check out our page here: whatifadvice.com.au/services/...
This video is part of our Superannuation series our other super videos include:
Superannuation Explained: • Superannuation Explain...
How to read your super statement: • How to read & review y...
How to find your lost super: • LOST SUPER... How to f...
Choosing your super investment: COMING SOON
Buying property with Super - Self managed super funds explained: COMING SOON
Buying your first home with Super - FHSS Explained: COMING SOON
Salary Sacrificing to Super Explained: COMING SOON
Our website: www.whatifadvice.com.au
Our email: info@whatifadvice.com.au
General Advice & Accuracy warning:
The material shown in this presentation is for general information purposes only. It is not intended to be, nor should it be read as specific personal investment or risk advice.
Whilst all care is taken in the preparation of this material no warranty is given with respect to the information provided, and accordingly no responsibility for errors or omissions, including responsibility to any person by reason of negligence is accepted by What If Advice Pty Ltd, or any member or employee of What If Advice Pty Ltd.
Before acting on any of the information contained in this presentation you should obtain special advice from a specialist investment or risk professional, which is appropriate to your specific investment or risk needs, objectives and financial situation. 
Хобби
Three Lego people WERE harmed in the making of this video… don’t let their sacrifice be in vain. Learn from their lesson and sort out your Human Insurance!
Love your videos. Short and to the point.
Thanks mate!
Thanks king. Here, you dropped this 👑
Fantastic video! Incredibly informative, and that office clip gets me every time 😂
You're speaking my language mate! Another good vid!
Thanks mate. For anyone else reading this - heaps more great videos on insurance over @True Pride!
Very helpful thank you
Glad it was helpful!
If I'm no longer working, bc of uni, am I still covered with my super?
Did you hire a professional video editor? This looks great!
Hahaha... nope... 😉 just found a guy off the street - taught him everything he knows..
Do you take any commissions on products that you advise on?
Hi Wombles, generally we don't. We have a 'fee for service' model, where we aim to give strategic advice, rather than 'product' advice.
We don't receive any commission on investment advice, superannuation advice, and in any other areas we deal in...
However when it comes to insurance, we give clients the option to 'pay via commission'. Much like mortgage brokers do. It allows young people or low income earners (or some people just feel they don't want to pay for a brokering service) an alternative option. It would be easier for me to just say 'we don't accept commission' my fee is $x - however it means more people would decide not to get advice on insurance.
Then the question is - how to do you avoid the unspoken conflict. 'Recommend more insurance so you receive more commission' - we have standard processes, full disclosure, etc... for me education also plays a large part (one of the reasons I started this youtube channel - and I do a lot more education with clients directly).
Insurance should be a strategic decision, what do you want to do/ achieve (ie pay off debts, replace income etc) - its a mathematical problem. Then decide on your insurance requirement, then decide who should insure you. Its a long process, and that's why people outsource the problem to us.
Insurance shouldn't be sold. Where fear is used and a (I don't want to use the word adviser in this context) - 'insurance salesperson' finds reasons why a person should have $3mil worth of life insurance. Thats where there is a conflict.
I personally see commission as... I've said above, 'as an alternative payment method for clients'. I personally don't want them to be a major source, and would be more than happy if the business made $0 from commissions.
@@WhatIfAdvice Thank you for your considered response.