Let our financial experts pick out the best Insurance policy in Melbourne for you.
Although we may think that we do need insurance while you’re young and healthy, it makes sense to prepare for the unexpected and to take steps to protect ourselves and our family, financially in case the unthinkable happens.
Dealing with a death or serious illness in the family is difficult enough without the added strain that comes with a loss of income. That’s why life insurance is so important.
Our dedicated and qualified life insurance advisers get to the heart of what’s important, helping you take charge of your policy. We compare and sell insurance products from a range of Australia’s leading life insurers helping our customers with Life Insurance, Income Protections, Key man insurance, and disability insurance.
“Credit Hub Australia will review your policies every time your income or your personal circumstances change to make sure you have the right type and level of cover.”
There is no correct answer, but more insurance gives you more protection. However, it also depends on what you can afford, so you may need to prioritise.
To help work out the best level of insurance cover for you, consider:
The difference between these is the amount of cover you should get. However, you may need to compromise between what you would like and what you can afford.
Life insurance is not something that should be taken lightly as It involves making a decision on a product that can have a huge impact on the future of your family’s financial situation, when you no longer be around to provide or care for them. Life insurance is not something that should be taken lightly as It involves making a decision on a product that can have a huge impact on the future of your family’s financial situation, when you no longer be around to provide or care for them.
This Insurance provides a fixed monetary sum, in case when there is a loss of a key employee. A Keyman Insurance policy defines four categories of loss that can be used as the basis of a compensation claim:
Keyman Insurance can provide monetary compensation covering the hiring of temporary staff and, if needed, recruitment and training of new staff.
This is compensation you receive to replace income lost due to the absence of a key person. This might be if they were involved in a project that had to be cancelled, or if their absence results in lost sales or income.
Keyman Insurance also covers instances where there has been the loss of a person involved in business loans or banking facility guaranteeing.
Total and permanent disability (TPD) insurance provides cover if you are totally and permanently disabled due to sudden unforeseen circumstances. You are eligible for TPD when you:
TPD insurance helps cover the costs of rehabilitation, debt repayments and the future cost of living.
Each insurer has different definitions of what is and isn’t considered to be totally and permanently disabled. Being off work for a year is NOT ‘permanently disabled’. Ask lots of questions so you know exactly what you’re getting.
This type of cover can be very limiting, hence is affordable
Credit Hub Australia
Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.
In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.
“Position is for Mortgage broker on commission/contract basis.”
Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.
You will act on leads and existing database as provided and generate sales and ongoing relations.
Actively participate in team meetings and contribute to the overall success of the business
You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.
In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.
Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.
A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.
Self-motivated and capable of working independently, while also thriving in a collaborative team environment.
Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.
Ability to manage multiple tasks, stay organized, and work reliably without supervision.
A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.
At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:
Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group.
If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.