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Common Myths About Income Protection

Today, there are many insurance policies that are sold to people. It’s not an easy task to understand the jargons and process of buying insurance. On the other hand, some may get caught up to wrong selection. As a result, they start doubting these services and withdraw the idea of applying for a policy. On the other hand, individuals have spread many rumours regarding income protection insurances. Therefore, more and more clients are reluctant to visit an insurance company for their services. So, it’s important to dissolve these myths and false facts that are spreading quickly.

What are your views about income protection policies? Are you reluctant to apply for it, because of some false news, provided by someone? You must have read an article or post online and misunderstood the statement. Here are some common myths that people believe and that needs to be corrected:

1.    Don’t waste your money on this useless policies

When people start searching through and compare life insurance quotes online policies read them, they might come across these statements. Specially, if you’re not well, you might not be able to report to work. However, these policies help you to deal with expenses, repayments and many other costs you have to bear.

2.    Companies don’t pay back

If you have been paying your premiums in proper due dates, you wouldn’t have to face such situations. There are many who don’t keep up with the payment and don’t get the benefit of the claim. Therefore, they spread word that companies don’t pay back, which should be dismissed.

3.    The process to apply is too lengthy

Another myth that is widely circulating and discouraging many who are keen in applying for this, is regarding the application process. This isn’t true due to the wide range of facilities offered by the Internet. The process is much faster, efficient and customer friendly. Therefore, you could compare income protection and decide on a policy and buy it.   

4.    Self-employed individuals aren’t entitled to this facility

Are you self-employed? For instance are you freelancing for a client or clients? Majorities are under the impression that, they aren’t able to apply if they are self-employed. However, with the proper documentation, you are eligible to buy an income protection plan.

Are you caught up with one of these misguiding facts? It’s about time to get away from it and apply for an income protection policy. If you’re friend or colleague holds the same view, make sure that you pass these facts to them as well. As a fact, the more people are being aware about it, the faster these myths would die out. For more info about income protection insurance Australia, visit this site

How To Choose A Reliable Property Broker?

When one is on the lookout for a rental accommodation or for purchase of property, it is necessary to find a broker who is reliable. There might be several property firms and agencies that exist for servicing clients in a city or region, but finding an expert and reliable service might be difficult. Here are some points to note in order to shortlist an agent or broker who can get one the best deals in town.

What services to expect
When you approach a real estate agent there are certain services that you can expect from him or her. For selling or purchase of property one can approach a real estate agent. Property could be a house, an apartment or a piece of land. The agent needs to be aware of the market value of the different kinds of properties in a region. He or she should be able to evaluate the negative and positive aspects of different kinds of properties and help the buyers to get the loans they require for purchase of properties. Usually the agent like SMSF Brisbane earns through a commission that is part of the sales proceedings in real estate transactions.

How an agent works
In most cases an agent will help a client by finding out his or her requirement, the price or budget that the client can afford as well as the locations where the buyer is looking at. The agent usually has a network in place for house sales. He or she is aware of the properties that are for sale or rent and will be able to shortlist the properties that meet the client’s criteria. Many firms like smsf property investment can be approached for agency services.

Ground work done by agents
In order to have properties ready to showcase to clients the agents usually check out the houses and other properties that are available and should be able to assess the positive and negative aspects of each before adding them to their prospective list. They usually take the clients around to show them properties as per their preferences and have the necessary answers for the client’s common queries.

Real estate expertise
It is necessary to find a broker or agent who has considerable expertise in a region. He or she should belong to a reliable & reputed firm of financial advisors Brisbane or service which should be a registered entity. The agent should be able to forward references of other clients from whom one can get first and feedback about how helpful the agent has been in helping them find a property of their choice and how transparent the transactions have been. These are the main criteria to determine in a real estate agent or broker.