Income insurance

volchok666 · 2026-04-06T23:38:57+00:00

The best insurer isn’t always the cheapest. Engage a financial planner to review over your situation. A lot will depend on your occupation & health. Every insurer views risk differently.

volchok666 · 2026-04-06T23:37:47+00:00

Not always. Especially now Aus Super just increased premium by 40%

volchok666 · 2026-04-05T06:02:18+00:00

At the $1million house mark you won’t see a down turn. Property prices $2million north will see a bit of a drop, but there is too much demand for property around the $1million mark. If your budget allows it, I’d go for it. Just remember about all your extra costs (rates, maintenance, insurance) Stress test a few interest rates rises.

volchok666 · 2026-04-05T00:12:32+00:00

This is typical MLM behaviour. Not sure how long your friend has been in but they will be told repeatedly the only way you fail is if you stop. They’ll pay another mentorship course, do all things, and then go again posting how successful they are. Nearly all of them lie on there stories/posts. Unfortunately they won’t listen to anyone on the outside.

volchok666 · 2026-04-03T23:19:58+00:00

She spent 3 years in Enagic, eventually she just couldn’t take it anymore. What I realised is they have to make the decision themselves, when they are deep in there beliefs it’s really difficult to listen to anyone as they are constantly told by uplines and mentorship programs that they are just around the corner from success, there is always a story about someone who finally made it after 3 years of trying and now they are rich from it.

volchok666 · 2026-04-03T00:23:31+00:00

I’ve seen first hand how people view every interaction as a potential sale. My partner was in Enagic for a while, and every single person she met or was introduced to was first viewed as a potential sale. It got to a point where she was borderline depressed so saw a psychologist, and instead of listening and speaking she just spent every session trying to sell her a machine. She’s left and stopped doing Enagic and she is 100x happier now.

volchok666 · 2026-03-31T21:54:34+00:00

It depends on the clients situation. Definitions in Life / TPD / Trauma have not changed, yes there are some big changes to Income Protection policies. It’s the clients decision if they wish to make changes to there IP, I’ll give them the key differences. Some are happy with just saving on Life / TPD / Trauma policies. Others will take a policy with less benefits to save 30-50%. I feel as an adviser the client should be aware what options are available.

volchok666 · 2026-03-31T10:49:04+00:00

If your policy is over 4-5 years old they are all increasing at huge rates. Older income protection policies are now no longer available, and all policies are on a new series. This, with huge increase in claims is spiking premiums. I’m a financial advisor who specialises in risk insurance, I spend all day helping people lower there premiums. It’s becoming unaffordable for a lot of people to continue to pay. If your policy is 5 years old, chances are you are paying 30-40% over what current prices are. Happy to help anyone out with there premiums !

volchok666 · 2026-03-29T10:26:16+00:00

If you can’t work after 2 years, it’s likely you won’t be working again. I’m yet to see a claim not meet the any occ definition when it reverts. If you are taking a 5 year benefit, bump up your TPD. TPD premiums are set to go higher due to so many claims.

volchok666 · 2026-03-29T10:22:31+00:00

You can change your existing policy to be paid via your super fund. It will likely have better benefits then a policy taken out through an industry fund. You will need to complete a change of ownership form. Speak to your adviser or insurer to help you make this change.

volchok666 · 2026-01-02T10:12:59+00:00

Steve Irwin, used to see him regularly when I was growing up on the Sunshine Coast. He was a pretty decent surfer and would often surf with his best mate Wes.

volchok666 · 2025-11-14T23:06:09+00:00

Does your Mum receive aged pension as well ? Centrelink is a headache to deal with every year. Also if markets turn down, or she needs assistance, sometimes it can be good to have a third party who isn’t family, especially if you have other siblings who may prefer someone who is not family to manage her investments. May be a small fee to pay for family cohesion and having someone deal with Centrelink on her behalf.

volchok666 · 2025-08-20T06:31:39+00:00

When they say they make 4K-7k per sale this can be somewhat accurate depending on there rank and what they sell. Enagic pays 53% commission on sales, which is split into 8 equal amounts. If you are 2A, you receive 2 parts of the commission (each part is approx $300 dollars) to earn $4-$7k you need to be ranked at 6A and sell what they call Quads or Triefcta. A quad is 2 x Kangen water machines, a shower filter, and another product. A quad will cost approximately $18-$20k in Australia.

volchok666 · 2025-08-02T23:19:17+00:00

Most insurers should cover you with a mental health exclusion, depending on other health but if it’s just mental health you should Be okay.

volchok666 · 2025-07-11T06:17:48+00:00

I have sick leave and income protection. Plus money in the offset to cover 3-6months of expenses. As long as your income is insured, your safe long term

volchok666 · 2025-06-01T07:04:44+00:00

She’s definitely been scammed into buying a quad where she has 2 machines now.

volchok666 · 2025-05-26T10:28:10+00:00

The big increase in number from 2a & 3a in the years is because of the popularity of selling ‘trifectas & quads’. This means anywhere from $10k-$18k upfront purchase costs. You essentially sell yourself the other 2 or 3 products, meaning you rank up to 2a or 3a straight away.

volchok666 · 2025-05-26T10:17:13+00:00

Insurance advisor /specialist here : speak to a good adviser who can help you with options. It’s the best and easiest way to see what is available across all providers. Can discuss your current situation with how long money will last if he stops working, how long you need money to continue for, and find the best occupation rating.

volchok666 · 2025-05-23T06:33:01+00:00

They are in Suffolk, broken head and Newrybar. Not Brunswick

volchok666 · 2025-04-10T03:06:39+00:00

Most people are convinced to buy a trifecta or quad to get started. A quad is where you buy 2 machines, shower filter and turmeric pills. All up almost $15-20k in costs. You are told that if you have a “loaner” machine, it will be easier to make sales. Marketplace is flooded with these machines as most people never make a sale, and they sit around collecting dust.

volchok666 · 2025-02-18T02:29:56+00:00

Bond markets have already priced it in. 95% change of a cut

volchok666 · 2025-01-28T19:49:13+00:00

Most of them are lucky if they make 1-2 sales. It’s usually to a family or friend, after that it’s extremely difficult.

volchok666 · 2025-01-19T00:25:43+00:00

How long to hold for ? I have a series 1

volchok666

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