Think Insurance

Welcome to Think Insurance. Allowing you to concentrate on the now while we worry about the future.

Life Insurance Products

Think Insurance are experts in Income, Life, Total & Permanent Disablement & Trauma insurance.

Income

75% of your income tax deductible paid ongoing if you can't work due to accident/illness/disability

Total & Permanent Disablement

A lump sum payment if you are totally and permanently disabled and unable to return to work

Life

Protect your family affairs with a lump sum payment if you die or become terminally ill

Trauma insurance

Financial protection if you fall critically ill, with a lump sum payment on diagnosis on a large list of diseases.

Family

Family Protection

Life insurance is catered for range of lifestyles whether you are the upcoming executive, to the CEO of a company or even the family man – life insurance is about protection. Our advice will not only determine the amount of insurance required, but also the most appropriate type and combination of products. We allow you to concentrate on the now while we worry about the future.

Superannuation

Almost every working Australian has a superannuation account (and many have more than one) and most super funds offer the option to take out insurance cover. This can be an inexpensive and tax effective option. However, there are many traps for the unwary. At Think Insurance we can establish a super fund with appropriate insurance for you, or review your existing fund(s) to determine if the attached insurance is adequate, efficient and tax effective.

Business

As a business owner have you ever thought about the following:

How you will pass on your business to capable hands when you’re ready to retire?
What about the death or incapacity of a business owner or one of your key personnel?
What would happen if your employee is injured at work & can not come into work on Tuesday?

With our 18 years experience in the life insurance business we ensure that as a business owner you worry about what is important to your business while we worry about what could happen to your business.

The benefit of personal insurance does not end there. It plays a vital role in retaining & attracting loyal employees to your business. Meet the moral obligation to your employees and create a work culture that values their financial worries.

Consideration

Every person’s situation is different. Your financial situation may look the same as your colleagues or business partners but your needs are different. At Think Insurance we analyse those needs and take into account all the quirks that make you and your situation unique.

The major factors you need to consider are:

The lifestyle you want to provide for your family
Your non-working spouse who wouldn’t have an income if you died
Your working spouse who would “retire” to raise the children
How your business would cope with your absence
Any debts that need to be paid out
Children’s education expenses
Special needs such as a handicapped child or child who may never be self supporting.
Final expenses such as funeral costs and taxes
Divorced people need to consider child support, education and an inheritance for any children of a previous marriage

Important Documentation

Personal Risk Financial Needs Analysis

Download a copy of our Personal Risk FNA to help you asses your current financial status and help Think Insurance to develop a strategy to protect and grow your wealth, regardless of the challenges you may face in the future.

Financial Services Guide

Please select this link to download a copy of Think Insurances Financial Services Guide.

Michaels Journey

Mike was an IT consultant at a large investment bank earning ’six figures’ pa. His financial adviser, Bedri from Think Insurance recommended and put in place a wealth protection plan, including life insurance and TPD cover inside Mike’s superannuation fund. Mike also took out income protection insurance and a benefit.

Unfortunately, Mike was involved in a serious motor vehicle accident while driving home from work one night. Mike suffered a major head trauma, multiple fractures and a spinal injury which left him a quadriplegic. Mike’s insurance case manager felt that it would take approximately three months in order to assess the claim fully and organised for a bed confinement benefit payment to be paid immediately to Mike. Once the claim was finalised Mike was deemed totally and permanently disabled and was offered the choice of either receiving a monthly benefit or a tax-free lump sum payment.

Mike chose to receive the tax-free lump sum benefit which helped cover the medical costs and rehabilitation care as a result of his paralysis. Importantly, he was also able to pay off the mortgage, and commence modifications to the family home.

When you select the tax-free lump sum benefit (in the event of TPD) in CommInsure’s Income Care Range, you are able to:

Certify disability just once at claim time, and avoid reassessment of disability every month
Keep the payment, regardless of any future medical advancement rendering you healthy and capable of working
Perhaps invest the lump sum payment and generate an additional income stream.

Visit Mike's website to learn more about Michaels unique and inspirational story here.

Contact

Bedri Sainovski

GPO Box 2269

Melbourne VIC 3001

0411 456 751

Skype: bedrisainovski

Disclaimer

This website contains financial product advice of a general nature only and is not intended to constitute personal advice. It does not take into account your investment objectives, financial situation or needs and accordingly, you should consider the appropriateness of this information in light of your own circumstances. We recommend that you obtain professional advice.

Where appropriate, you will be provided with a Product Disclosure Statement in relation to the product you are recommended. You should consider this document before making any decision to acquire the product in question.

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