Kevin Turner & Associates in Dalby, Queensland | Insurance Agent

Kevin Turner & Associates

Locality: Dalby, Queensland

Phone: +61 7 4662 1588

Address: 71 Cunningham Street 4405 Dalby, QLD, Australia

Website: http://www.kevinturner.com.au

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25.01.2022 4. Failing to review cover when circumstances change... There are certain key events in life when it is imperative to take a fresh look at your insurance coverage. Have you married or divorced or has your spouse passed away since you last reviewed your policy? Have you become a parent or have your kids left home? Have there been any changes in your financial circumstances such as an increase in income, more debt or paying off a mortgage? ... All these are factors to consider when determining the level of your cover. See more

25.01.2022 Better Get Insured While You’re Still Bullet Proof! https://vimeo.com/225194634/0c94a1373a

24.01.2022 A message to all the valued Clients of Kevin Turner and Associates. To keep you and our staff as safe as possible during the COVID-19 crisis we will not be conducting face to face appointments, however we are still working and able to provide Life Insurance and Superannuation administration support and advice either by phone, email or video conferencing if you'd prefer the "face to face" experience. Our office in Dalby is current closed with only one staff member on site betw...een 10am and 3pm Monday to Friday. Phone calls made to the Office (07 46621588) during these time will be answered or alternatively send an email to [email protected] as this is monitored throughout the day. If at anytime you need to speak to one of our Adviser directly here are their contact details Kevin Turner 0438 621588. [email protected]. Dale Turner 0409 364464. [email protected]. Craig Fermor 0418 468070. [email protected]. Your sincerely Kevin Turner & Associates

21.01.2022 Check out our new Kevin Turner & Associates footpath sign!

20.01.2022 When we’re young we tend to think we’re unbreakable, bulletproof. In the last 5 years TAL (one of Australia’s largest life companies) paid $66 Million to people up to the age of 35. Source: http://www.asic.gov.au//rep-498-life-insurance-claims-an-/... The information contained within, including taxation, does not consider your personal circumstances and is of a general nature only. You should not act on it without first obtaining professional financial advice specific to your circumstances and reading any product disclosure statements. Millennium3 Financial Services Pty Ltd ABN 61 094 529 987, AFSL 244252

17.01.2022 Why do I need to protect my income? Here’s why you need income protection Your ability to earn an income is usually one of your biggest assets, so why not protect it?... A sudden illness or injury can keep you from working and leave you in financial difficulty. You may get help from a worker’s compensation payout or personal savings, but are they enough to help you meet your expenses and financial obligations? Taking out an income protection (IP) plan may help provide peace of mind that you’ll be able to meet your financial responsibilities and focus on recovering. IP cover may provide a monthly income while you’re unable to work as a result of illness or injury. It generally replaces up to 75 per cent of your income for a set period of time. Standalone or through super? Getting your IP cover through your superannuation fund may be a good idea if you want to avoid paying for your insurance out of pocket. But keep in mind that the policies offered through super may not cover all your financial obligations for an extended period of time. A standalone IP policy may provide more adequate coverage. It may also offer you tax benefits IP premiums are usually tax deductible when you fund your cover outside super. Making your policy affordable If cost is a concern in taking out a standalone plan, there are a few ways you may be able to make your premiums more affordable. One of them could be choosing a longer waiting period before you receive benefits after being unable to work due to illness or injury. Generally, the longer you wait, the lower the premiums you have to pay. Opting for indemnity cover may also help you keep your insurance costs down. You’ll have to choose between indemnity and agreed-value cover for your IP plan. Under an indemnity policy, your insurer bases the monthly benefit you would be paid on your income at the time you make a claim. For an agreed-value policy, the benefit is based on your income when you apply for coverage. Premiums for indemnity cover are usually lower than for an agreed value policy. But indemnity policies may vary among providers, so speak to your adviser about which cover may suit you. Your adviser may also help you tailor your plan to meet your income protection needs.

15.01.2022 Keep an eye out over the next 5 weeks for our upcoming information series The information contained within, including taxation, does not consider your personal circumstances and is of a general nature only. You should not act on it without first obtaining professional financial advice specific to your circumstances and reading any product disclosure statements. Millennium3 Financial Services Pty Ltd ABN 61 094 529 987, AFSL 244252

13.01.2022 No-one wants their families to be left high and dry in the event of their death. Taking the time to consider your life insurance today may be your greatest gift to your loved ones tomorrow. Please watch our video! https://youtu.be/HcTAJh5QDF0

13.01.2022 Insurance: Get insurance while you’re still bulletproof According to research by TAL insurance provider the cost of personal insurance soars after the age of 35. This is also the time in our lives that you may be going through significant change such as marriage, children, a bigger mortgage and more responsibilities. In the previous 5 years to 2017, TAL paid out insurance claims to the sum of $66M to people aged up to 35, but this figure soared for those aged 35 46 to a tot...al payout sum of $152M. From our experience working with clients and insurance providers, it’s wise to get a personal insurance cover in place before you turn 35. If you are approaching your 35th birthday now is the ideal time to think about this, but it is important to stress that an appropriate insurance plan is wise at any age. It’s time to get some professional advice from an adviser with the technical expertise and experience required to make sure you’re properly covered.

12.01.2022 3. Failing to get proper advice Life insurance policies are easy to obtain these days and it can be tempting to buy policies online or from a teleprovider. However, policies that are quick and simple to obtain may be declined at claim time for reasons such as non-disclosure, exclusions or hidden clauses. Sitting down with a qualified Adviser means you can benefit from unbiased advice on a broad range of policies that can be tailored to your individual requirements. The Adviser will also discuss issues you might not have thought of- for example will your insurance policy be owned by you, your spouse, both of you, your super fund or a trust or corporate entity?

11.01.2022 Once we hit 35 or so, we start to hear of contemporaries suffering major illnesses or conditions, that it tends to dawn on us that actually we’re not bulletproof at all. In the last 5 years TAL (one of Australia’s largest life companies) paid $152 Million to people between 35 and 46 years of age Source: http://www.asic.gov.au//rep-498-life-insurance-claims-an-/ ... The information contained within, including taxation, does not consider your personal circumstances and is of a general nature only. You should not act on it without first obtaining professional financial advice specific to your circumstances and reading any product disclosure statements. Millennium3 Financial Services Pty Ltd ABN 61 094 529 987, AFSL 244252

10.01.2022 It’s better to get properly insured while you’re still young and healthy typically BEFORE you turn 35. Insurance is much more complicated than people think. That’s why the DIY insurance path is so littered with disasters. And there’s so much at stake. It’s time to get some professional advice from an adviser with the technical expertise and experience required to make sure you’re properly covered. Contact Kevin Turner & Associates Today and let us help you protect your... lifestyle and the people you love. The information contained within, including taxation, does not consider your personal circumstances and is of a general nature only. You should not act on it without first obtaining professional financial advice specific to your circumstances and reading any product disclosure statements. Millennium3 Financial Services Pty Ltd ABN 61 094 529 987, AFSL 244252

09.01.2022 Four common mistakes when buying insurance. If your personal insurance policy is in a drawer gathering dust or you simply don’t have any, your family could be in for a nasty shock in the event you become seriously ill or Injured. Over the next 4 weeks we will outline some pitfalls to avoid when taking out cover.

09.01.2022 2.Not considering insurance outside super. Many people make the mistake of thinking that life insurance cover through super will be enough. Most super funds provide a default level of cover but this is often well below the level required. In some cases, people could be caught unaware that their insurance cover had lapsed if and when they changed jobs and switched out of the fund. However, on the plus side, since the introduction of Choice of Fund, it is easier to carry over a...nd elect to use your own superannuation fund when going into a new job. An individual’s insurance cover within their super fund remains intact as long as they remain a member of that fund. When it comes to insurance within superannuation it’s also important to remember that premiums are paid from what is effectively your retirement savings, which can impact your overall super balance on retirement and when you begin drawing down on your savings. See more

07.01.2022 Week 2 1. Buying on price rather than cover... No-one wants to pay too much for cover but the purpose of buying life insurance is to ensure your family won’t be left to fend for themselves in the event of your death. Cheap policies can be riddled with potential issues, so read the fine print and look into the capacity of the insurer to pay, policy exclusions and dispute handling processes.

03.01.2022 So if we’re not bulletproof then maybe it’s time to get properly insured, especially when you consider the statistics In the last 5 years TAL (one of Australia’s largest life companies) paid $420 Million to people between 46 and 55 years of age. Source: http://www.asic.gov.au//rep-498-life-insurance-claims-an-/ The information contained within, including taxation, does not consider your personal circumstances and is of a general nature only. You should not act on it without first obtaining professional financial advice specific to your circumstances and reading any product disclosure statements. Millennium3 Financial Services Pty Ltd ABN 61 094 529 987, AFSL 244252