Lashley Financial :: INSURANCE BROKING

The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.

Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.

The purpose of investing is to improve our future circumstances or future lifestyle.

The objective of investing is to receive a future flow of funds larger than the funds originally invested.

Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.

There are three ways to manage money: Market timing, security selection, and asset allocation. The first two, in our view, involve too much luck and risk.

Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.

Investing requires the trade-off of present income (consumption) for future income (consumption).

Estate planning can have a lasting impact on your family – though not as much as not doing it.

Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.

Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.

Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.

Everyone needs a financial plan for their life, from those with ten dollars to those with ten million. Life takes money – whether you plan or not.

Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?

You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.

	Insurance Services Directory
	Broker Appointment Form

Insurance Broking

Most individuals do not secure their insurance through a broker, preferring to go directly to the insurance company.

When purchasing insurance, many people look only for the cheapest policy without obtaining proper advice, understanding the fine print or considering whether they are getting value for money. They can end up with cover they don’t need or worse, without the cover they really do need.

A broker can save you time, money and worry.
Brokers can provide you with impartial professional insurance advice based on professional training and experience.
Brokers provide advice and assistance to make sure you are properly protected. A broker will also explain your policy and any special situations of which you need to be aware.
Brokers have access to different policies because they deal with a range of insurance companies. Your broker will be aware of the benefits, exclusions and costs of alternative policies on the market. They will also help arrange and place the cover and can often provide advice on how to make the most of your insurance budget.
Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.

Critically, if you do have to make a claim, your broker will represent you, negotiating on your behalf with the insurance company.

Insurance Broking

More than you want and less than you need