Personal insurance premiums can include trailing commission of up to 30%, paid to a financial adviser. Rebate Financial Services can reduce the cost of existing polices by rebating 50% of this cost back to you.   

For most Australians there is nothing that is as important to our financial well being as our ability to earn an income. If you are the major breadwinner in your family, how would they cope financially if you passed away or were unable to work because of injury or illness? 

During recent years there has been a lot of press coverage on the devistating affect of bushfires on the well being of their victims. As well as death and injury, much has been made of the number of homes that have been lost. Illness and injury cost far more Australians their homes every year than bushfires ever could! This is a national tragedy, and is made even more disturbing because it is preventable through the mainatainance of appropriate personal insurances.

Personal Insurances include cover for: Death, Permanent Disability, Trauma and also Income Protection policies.

The great thing about these products is that much of the cover can often be paid for out of superannuation, meaning that there is little or no affect on day to day cashflow. There are various advantages and disadvantages to payment structures, which is why a financial advisor is generally involved in setting up policies. It is also important to note that differennt companies have very different policies with regard to what they will pay out on. As an example, one that was recently brought to my attention is that not all companies will make a trauma payment for a benign brain tuma.

Personal Insurance has generally been purchased through a financial advisor, although recently companies such as MLC, AXA and AMP have been very aggressive in advertising directly to the public, as have brokers such as iSelect, ReateDetective and InsuranceLine, who provide varying levels of advice.

Rebate Financial Services does not offer advice directly on these products, although we are able to refer interested parties to a fee for service advisor. If you have an existing policy and would like access to our leading rebate service, please download a nomination for from this website, fill in the details of your policy and send it back to us. There will be no change to the policy itself, but you will become eligible to receive cash rebates.