Everyday single day, Australians like
you suffer an illness or injury they don’t expect. No-one expects to
get cancer or have to take a few months off work after a car accident,
but it happens every single day. We can help you put a risk management
plan in place with appropriate wealth protection insurance to ensure
your family can carry on financially in the event of a claim.
If you have people who depend on you, having term life insurance is critical. No one is comfortable at the thought of his or her own death, but it's something that you have to plan for if you have loved ones who depend on you. If you were to die, would you be 100% certain your family's financial security would be preserved? Would your children be able to go to college? Could your spouse retire in comfort?
The right life insurance policy can
help you answer all of these questions confidently and with peace of
mind. On our site, you can find the policy that's best for you by
getting life insurance rates from some of the best insurers in the
business.
The cost of Life Insurance may come as
a pleasant surprise. Despite the large sums insured, premiums are
relatively low and in some cases similar to the price of general
insurance. To help you understand how the cost of Life Insurance can
remain so low, most Life Insurance plans have stepped premiums, which
are related to the level of risk at particular ages. A couple of things
to consider...
Less than one hour of your time can make all the difference to your financial future.
Click here for a no obligation free chat with an MST Qualified Financial Planner
The Undisputed Facts
• Heart Disease - Around 3.7 million Australians are affected by cardiovascular
disease and it is our leading cause of death and disability;
• Cancer - One in three men and one in four women will be affected by
cancer before the age of 75;
• Stroke - Over 48,000 strokes occur in Australia every year;
• Loss of Sight - 50,600 Australians were estimated to suffer blindness in 2004;
• Dementia - Nearly 730,000 people are expected to be diagnosed with dementia by 2050;
• Accident - While illnesses are a far more common cause of temporary or permanent disability,
most people see accidents as a much bigger threat to their financial security
(Sources - The Cancer Council Australia, national Heart Foundation, Medical Journal Australia, national Stroke Foundation, Alzheimer’s Australia and Australian Institute of Heath and Welfare)
Part of managing wealth is protecting that wealth. A good planner can take a look at the insurance you need and make sure you are getting it in a cost-effective manner. I'm not talking about selling insurance investments, also known as "permanent insurance," I'm talking about pure, transparent insurance. Regardless of your time in life and whether it be when you are…
Young, Free and Single – The car accident changed everything. Don’t underestimate your “human life value”
Growing up Safe and Sound – The difference a child’s crisis plan could make on parent’s lives if their child suffered a critical illness. No parent can buy a child’s immunity from cancer. It doesn’t respect the boundaries of age, wealth or physical fitness.
A career on the Up and Up – You’ve got a new job, a new income and a new lifestyle - a lifestyle that you and your family will soon become accustomed to. If you were to die tomorrow, how would your family maintain their standard of living?
A cash boost for your business – Your business has just received the financial boost that it needs. But if you were to die tomorrow, who would repay the loan? There is a way to protect the financial future of your business. Life insurance allows you to protect your business now.
For business owners – sickness and injury can affect more than just personal income. Your absence from the daily running of the business can create a situation where turnover falls, while the costs of rent, support staff and utilities continue.
The only person for the job – You’re a key part of the business, the only person for the job. But how would the business cope if you were to die tomorrow? There is a way to protect the financial future of your business. Life insurance allows you to protect your business now.
Protection for Lifetime’s worth of Assets – What are your assets? When you think of the term ‘assets’ you most likely visualise possessions such as your home and car, or perhaps you think of jewellery, savings or investments. As valuable as these are, assets can also include intangible objects that may not immediately be considered in dollar terms. What about your relational assets? These are assets based on the relationships you have with the people closest to you and are characterised by a high degree of emotional and physical dependence or interdependence,
Or any of the thousands of actual situations we have help people just like you to prepare for...
You can effectively and economically immunise your financial future against injury and illness using a combination of four basic types of cover:
1. Income protection insurance to provide a replacement monthly
income if you are temporarily sick or injured.
2. Critical illness insurance to provide a lump sum of cash if you are diagnosed
with a major illness such as cancer, head trauma or multiple sclerosis.
3. Total and permanent disability insurance to provide a lump sum of cash
if you become totally disabled and are unable to work again.
4. Life insurance to provide a lump sum of cash upon diagnosis
of a terminal illness or death.
With a combination of these insurance types, you can maintain the financial resources needed to adjust your lifestyle independently, and with confidence and dignity.
Click here for a no obligation free chat with an MST Qualified Financial Planner
Recent studies show that 85% of Australians are confused
or confess to having ‘no idea’ about obtaining finance for major
purchases with 54.6% of these people finding their major purchases even
before seeking financial information. With so many options many people
just do not know where to start. At MST Active, you can be safe and sure
in the knowledge all Finance Professionals we recommend to you without
exception carry all relevant regulatory requirements and come from the
largest and most qualified lending associations, groups and regulatory
bodies in Australia. We have chosen to partner with them for not only
are they vastly adept at navigating turbulent times but they are also
committed to treating you, and keeping you as a “client for life!” all
eager to help you! At the very least we could introduce you to these
people and you can have a quick chat on the telephone in the initial
stages.
Since 2008, the Australian Commonwealth Government has
decided to regulate the credit code across the entire country, as there
have been varying degrees of regulation and licensing from State to
State. This means from 1 July 2010, all companies and individuals who
deals with credit and lending, will be required to hold a Credit License
that is recognise Australia wide. The license will be regulated by the
Australian Securities and Investment Commission, the highest level of
regulatory body in Australia. This means there is better protection and a
higher quality of professional service for you.
All MST Active Finance Professionals will have this license, and their
credit license number will be freely available for inspection on our
website. It is important that no matter which Finance Professional you
see, whether they are a Financial Planner or Mortgage Broker, when they
deal with credit then do ask them for a credit license number, and
verify that number on the ASIC website.
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You can find out more about other services we provide, just follow the links below.
• The
banks made a swift $17 million by passing on interest rate rises faster
than they cut them?
By choosing an MST Active Finance Professional you can be sure that they are Independent and only offer advice that has your best interest in mind.
• Did
you know that 98% of all loans in Australia are now given to the major
Banks?
At MST Active we are proudly independent. You can be safe in the knowledge that our Aggregation Model means that all Finance Professionals we recommend to you are not owned or dictated to by any banks. This means the advice they give to you is with your interest at heart, and we ensure that the loans we recommend to you are the best available.
• Did you know that 98% of all loans in Australia are now given to the major Banks?
At MST Active we understand that we will need to work with the banks, however we will NOT recommend their products unless it is the best value product for you, out in the market today.
• Did you know in six months since GFC, the banks had made an extra $100 billion, that is 5 times the amount in the Governments Futures Fund?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• Did you know the total value of mortgages held by the Big4 is worth $661.4 billion?
An MST Broker just doesn’t just give you an off the shelf loan package that everyone else gets! Every client we assist has an individual financial model designed specifically for them by our strictly independent finance professionals. We help you take charge and control of your financial situation by providing you with valuable expertise and knowledge as well giving you total access to the growing number of services available at MST Active that will assist both you and your family.
• Did you know that it took the major banks just 12 short months to wipe out all competition that took over 15 years to build up?
Your MST Active mortgage broker enjoys an exciting working environment that sets them apart from all other broker groups and aggregators in the mortgage industry. MST Active provide our mortgage brokers with all the right tools and support to make them more successful and more professional than they could ever have achieved alone or in any other system. The great news for you is that they have more time and all the resources they will ever need to ensure you get what you want and when you want it!
• Did you know the banks are gouging an extra $7 billion out of your pockets by not passing the full rate cuts, and increasing the rates beyond the RBA?
With many banking institutions, building societies and credit unions that offer fee free banking services, why pay for an account when you can have it for free? At MST Active, our Independent Financial Consultants have a range of products that you can choose from and tailor them to what you want, when you want it!
• Did you know if you make multiple enquiries at the banks and they each give you a pre-approval, it will affect your Credit Rating and might make it harder for you to get a unconditional approval?
MST Active’s mortgage brokers take great pleasure and satisfaction in saving you countless hours, pain, stress and money with the service they provide which they deliver to you with a level of unprecedented level of professional service. We help you take charge and control of your finances so that everyone of your hard earned dollar works for you, rather than you work for it and we can help you with improving your whole financial structure or in just one or two areas that may need an overdue update so that you get the results you what you want, when you want them!
• Did you know Canadian banks that source their funds from the same international market as our Australian banks only work on a 2% margin as opposed to our banks 2.8%?
In today’s market place, finding a quality home loan or refinancing product from a secure lender is crucial for your financial security and that is why we offer over 40 lending institutions all eager to help you and even if you already have the lender you wish to use and they are not on our panel, then that is not a problem either! MST Active provide a free no obligation appointment with the most qualified and independent of professionals that have the time and the support to get you the results you want, when you want them!
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