Galaxy Financial ServicesBalajiChengalpet& PoojaBalajiMobile : 0421 654 078www.odinhomeloansandinsurances.com.au

Why Insurances ?Why do we all go to work or be in a business?Why do we all dream about goals ?Why should one work 40 hours a week ?How will one pay for living expenses and mortgages if he cant work short time or for an extended time ?How will one’s children pay for their education & how will a family survive without the man who earns the family their daily bread?Can accidents or disaster shows mercy or discriminate against age, gender, or health status ?How will one pay for their expensive surgery should they have no savings, no assets to dispose ?Will your mortgage repayments stop, should one become seriously sick or bed ridden or die ?

What if My parents will support me( Question is how long, and for how often, there is a fine line to be drawn here)I am hale and healthy, I go to Gymregularly and I am 100% fit( Will disaster strike selectively, it does not discriminate against age, gender or health )I get covered through work( How long can one be covered, what if one cant get back to work at all, how much can one get covered for )I got insurances through super( How much cover and what are they, will they provide a monthly income till age 70 or pay for a lump sum towards an emergency medical treatment, how quickly can one get access to these funds )I am single and I don’t care (what if in few years time you get married and have children, would it make a difference to make you wanting to be for them when you are not there for them)

So What is InsurancePay you monthly income should one become unemployed due to sickness, or accidents ( Income Protection )Pay the insured person a lump sum amount to assist with applicants medical condition, pay off debts and pay for living expenses. ( Trauma Insurance )Pay the insured person a lump sum amount should he or she becomes permanently disabled due to a medical condition or accident to assist them pay off debts, accommodate their life style by making changes to their home/vehicle or simply pay for their day to day living expenses ( Total & Permanent Disability Insurance )Pay the insured persons family a lump sum amount in the event of a pre matured death of the insured. ( Life Insurance)Pay a monthly income of a maximum of $ 3000 per month should the insured suffers significant disability up to age 80. ( Living Expense cover)Pay a lump sum amount of a max $ 150,000 should the insured child suffers one of the trauma conditions or death. ( Child Cover )

What’s in it for me ( Benefits )Lump sum amount as nominated gets paid to the insured person while he is still alive and undergoing medical treatment therefore these funds can assist applicant with paying off entire debts, pay for medical bills, surgery expenses and day to day living expenses giving him and his family the peace of mind at most needed times.A monthly amount is paid upon being sick for a short, medium or for extended time up to a age of 70 to assist with day to day living expensesProvide a lump sum amount to the family upon the death of the insured person so they can pay off debts created by the insured and live in the house debt free and move on with their life, pay for children’s education and manage their living expenses without sacrificing the current life styleTax benefits ( Income protection premiums are generally tax deductible )

So What are they Life Cover A lump sum amount gets paid to the beneficiary of the insured should he or she suffers pre matured death. Trauma Cover A lump sum amount gets paid to the insured person should he or she suffers one of the trauma conditions listed in the pds. Ex heart attack, stroke, cancer, loss of eye sight etc Total & Permanent Disability cover A Lump sum amount gets paid to the insured person if he or she suffers an accident or a medical condition and becomes totally and permanently disabled. Income Protection Up to 80% off one’s annual income is paid on a monthly basis following a waiting period up until the insured gets back to work or up to the age of 70 should he or she cant work again due to illness or accidents only, this cover will not cover for involuntary unemployment.

I agree, but I cant affordWhat’s important for youCigarettes or security and financial freedom !Entertainment ? or financial stability !Fancy mobile phones and expensive bills or?Financial worries, stress, sacrificed lifestyle or Financial freedom, independence and choice ?Responsible parents or ?Peace of Mind or Financial Disaster & other illness associated with it

I want to do it but can’t afford the world at the momentPackages can be tailor made to suit one’s budget and needs.Policies can be upgraded at any timeThere is no ongoing contractsPay by bank account or use your credit card with frequent flying programs to gain points quickly and save on flying ticketsSomething is better than nothingEarlier the better to keep the costs down

What services do Galaxy provideAn obligation free & Free of charge service with NO Added costs to your insurance needs.We compare many products and insurance companies and will provide a comparison research data to ensure you get the best coverOne stop solution to compare all insurance companies costs to pick the best one to suit your needs.Organiseeverything from start to finish and also be of first point of contact for any future enquiries and or claims.Should one suffer a medical condition we can use our pre-assessment service to find out which company can take care of our clients needs without lodging an applicationWe get paid by the companies that we work with and therefore its in No way an added costs to your premiums.

What are the process involvedInitial enquiryQuotesResearch and adviceApplication Medicals if requiredPolicy completion