Polina Kesov Finance & Life Insurance in Sydney, Australia | Financial service

Polina Kesov Finance & Life Insurance

Locality: Sydney, Australia

Phone: +61 1300 002 481

Address: L4, 309 George St 2000 Sydney, NSW, Australia

Website: http://polina.com.au

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24.01.2022 Tip to reduce your Income Protection Premium One of the major factors of your income protection premium is how the insurer rates your occupation. Some of the factors insurers look at is whether your occupation requires you to be office based, mobile, working underground or at heights. Also taken into account is the extent of manual work you do, your qualifications and years of experience. If you have recently received a promotion or salary increase, become qualified or move...d from a hands-on job to more of a managerial role you should have your occupation category reassessed as this could result in a lower premium. #insurancebroker #insuranceadvisor #protectyourfamily #insurance #lifeinsuranceawarenessmonth #icanhelp

21.01.2022 Stop and think what’s important for you

17.01.2022 For the third time this year the RBA has cut the official cash rate, which now stands at low 0.75%. With the RBA decision to cut interest rates again, and lenders offering some great deals, now could be a great time to contact us to review your loans. We offer choices from a broad range of lenders allowing us to find a loan that suits your lifestyle and budget, at a great rate.... So if you are currently looking at getting a loan or if you haven’t reviewed your mortgage in the last two years, contact us today for a full comparison. Let’s make sure your mortgage is in the right home and that you are not overpaying. Call 1300 00 2481 or message me here

13.01.2022 Tip to reduce your Income Protection Premium One of the biggest reductions in your income protection premiums can be achieved by increasing the waiting period on your policy. While a short waiting period may be desirable, it comes at a cost. Increasing your waiting period from 14 days to 30 days can reduce your income protection. Before extending your waiting period you need to evaluate whether you will be able to make ends meet.... Factors to consider would be how much sick leave you have, if your spouse’s income can cover immediate expenses, whether you have savings or investments to draw on and whether you could receive other family support until the insurer’s payments begin. #insurancebroker #insuranceadvisor #lifeinsurance #incomeprotection

06.01.2022 Tip to reduce your Income Protection Premium Insurance companies offer incentives to encourage you to take out all your covers with them. In some cases multipolicy discounts of up to 15% are available when Life/TPD, Trauma and Income Protection covers are taken together under one policy. Only by asking for a packaged quote will you be able to work out if the discounts from consolidating your covers will reduce your overall cost compared to having policies from different insurance companies. The other advantage of consolidating under one policy is not having to deal with more than one insurer and having one payment come out of your account. #insuranceadvisor #lifeinsurance #incomeprotection

05.01.2022 Tip to reduce your Income Protection Premium Income protection policies come in two types indemnity and agreed value. Indemnity policies are approximately 20% cheaper than agreed value policies (*check with your insurer) so an indemnity policy is one way to keep your costs down. However with an indemnity policy there is a risk that you will receive less than the monthly benefit on your schedule if your income has decreased since you took out your policy. So the premium saving has to be weighed against this risk. #insurancebroker #policies #insuranceadvisor #protectyourfamily #income #lifeinsurance #incomeprotection