Top End Insurance in Gold Coast, Queensland | Insurance Agent

Top End Insurance

Locality: Gold Coast, Queensland

Phone: +61 421 453 529

Address: Lakes st 4227 Gold Coast, QLD, Australia

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

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23.01.2022 Excellent article in relation to the future pension

23.01.2022 Added to our repertoire, we are now offering competitive rates on general insurance for those looking for competitive premiums, or those not happy with their current insurance situation

14.01.2022 Have you got the right TPD cover and will it pay when you need it? Own" Occupation TPD vs "Any" Occupation TPD. ... Under the Any occupation TPD definition you would need to be rendered unable to do not just your own occupation but any occupation reasonably suited to you by education, training and experience Any Occupation. This definition means you are eligible for cover if your disability means you are unable to work in any job you are reasonably qualified or experienced ...to perform, and you never expect to be able to return to the workforce. Premiums under this definition are cheaper than under the Own Occupation definition below, but it only provides a narrow range of cover. Own Occupation. This means you’ll be paid a benefit if your disability prevents you from returning to work in your own occupation. This is a more comprehensive type of cover and means you can receive a benefit even if you’re able to work in a different occupation. Home Duties. As mentioned above, if you’re unable to perform your normal domestic duties, you’ll receive a lump sum benefit. This definition applies to homemakers and is designed to help with things like cooking and cleaning, maintenance of the family home and looking after dependent children. Activities of daily living. Under this definition, you’ll receive a benefit payment if you are unable to perform at least two activities of daily living, such as bathing, dressing, eating, using a toilet, getting in and out of bed and moving freely unaided. Loss of independent existence. If you cannot perform a certain number of activities of daily living, or if you have suffered a cognitive impairment (for example memory loss), you will be eligible for a benefit payment. See more

14.01.2022 TPD Definitions What are the main types of TPD definitions available? TPD cover is generally defined as insurance that pays out a lump sum if you become permanently disabled and are unable to work again. This general definition is further 'qualified' by your insurer, who will have their own definition of TPD. The end result? Often something similar these three main definitions: Any occupation This pays a lump sum if you become permanently disabled and are unable to work in yo...ur own occupation or any occupation to which you are suited by education, training or experience. Own occupation. This pays a lump sum if you become permanently disabled and are unable to work in your own occupation. Because the terms are quite specific and a payout is more likely, this is the most expensive form of TPD insurance. Living expenses /Non-working. This ignores occupation and pays a lump sum if you become permanently disabled and are unable to independently conduct two or more of the five listed Activities of Daily Living (i.e. eating, bathing, dressing etc). Given that you would have to be severely disabled to qualify, this is the hardest form of TPD insurance to claim. See more

08.01.2022 Welcome to my updated website

04.01.2022 If you are looking to consolidate your super, receive a higher return ,have a dedicated expert looking after your super so that you can retire in the lifestyle you want to, or maybe even find your lost super, it might be time to give me a call . 0421453529 Peter

03.01.2022 http://topendinsurance.com.au/

02.01.2022 Jack Ma, the found of Alibaba who’s got a net worth of roughly $23 billion said this about poor people. Do you agree with him? The worst people to serve are the Poor people. Give them free, they think it’s a trap. Tell them it’s a small investment, they’ll say can’t earn much. Tell them to come in big, they’ll say no money. Tell them try new things, they’ll say no experience. Tell them it’s traditional business, they’ll say hard to do. Tell them it’s a new business model, t...hey’ll say it’s MLM. Tell them to run a shop, they’ll say no freedom. Tell them run new business, they’ll say no expertise. They do have somethings in common: They love to ask google, listen to friends who are as hopeless as them, they think more than an university professor and do less than a blind man. Just ask them, what can they do. They won’t be able to answer you. My conclusion: Instead of your heart beats faster, why not you just act faster a bit; instead of just thinking about it, why not do something about it. Poor people fail because on one common behaviour: Their Whole Life is About Waiting.

01.01.2022 Here's how payout's work under each TPD definition TPD definition Extent of disability required for a payout Any occupation Unable to work in: Your current occupation, or... Any occupation you are suited to by education, training and experience Own occupation Unable to work in your current occupation Living expenses / Non-working Permanently disabled and unable to: Perform two or more of the five activities of daily living See more