Edition No. 27 | 05 March 2012

March E-Newsletter

Welcome to the March E-Newsletter, we hope the beginning of Autumn finds everyone well.

This month, as well as our regular Market Update, we are focusing on personal insurance. We have a number of articles which discuss personal insurance, holding personal insurance within superannuation and the premium structure available.

If you would like to discuss any of the above articles in greater detail please call either Tim or Debra on 0265622295.

How healthy is your personal insurance strategy?

Insuring your assets like your home, contents and car can provide some kind of financial relief if your property is lost or damaged. But it’s just as important to remember that you are your biggest asset; yet this is generally the area of most under-insurance.

A super way to insure

You are probably aware it’s essential to have life insurance if you have debts and/or financial dependants. What you may not realise is that life (and total and permanent disability) insurance can be cheaper than you think if you buy it through super.

Why insure through super?

With life insurance, what is the difference between stepped and level premiums?

When you take out life insurance, there are generally two ways you can pay your premiums.

A healthy second opinion

Australians are taking unhealthy risks on second opinions relating to an illness or medical condition, according to research conducted by MLC.

The research showed that while 35% of Australians visit a GP or doctor at the first signs of illness or feeling unwell, a concerning two in five Australians (44%) are more likely to get a second opinion on their health from a pharmacist, family or friends, the internet or work colleagues, over a doctor.

Disclaimer

Disclaimer:
This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial, tax and/or legal advice prior to acting on this information.
Before acquiring a financial product a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.
Past performance is not a reliable guide to future returns as future returns may differ from and be more or less volatile than past returns.
The material contained in this document is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate.
Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this document.

In this edition

	How healthy is your personal insurance strategy?
	A super way to insure
	With life insurance, what is the difference between stepped and level premiums?
	A healthy second opinion
	Disclaimer

Whats new

Save the Date

We are planning our first Seminar for the year to be held on the 10 May at 6.30. The venue will be the RSL and Kaganga will be the presenter once again.

We will be sending invitations out closer to the date with full details.

We hope you can attend and look forward to seeing you on the night.

Financial Health Check

There is no time like the
present to think about
where you would like to
be this time next year,
or in five years, or even
longer.

Please click the link to go
to MLC's Financial Health Check.
It will take just a few
minutes to complete
on-screen and will help you
evaluate your current
postion and where you
might need some help
staying on track to achieve
your goals.

Simply save the document
and create a reply email,
sending it to us at
enquiries@loomisfinancial.com.au
and requesting we contact
you to arrange an
appointment.

Or, you can print it out,
contact us to make an
appointment on
02 6562 2295 and bring
the report with you on
the day.

Phone
02 6562 2295
Fax
02 6562 2297
Email
enquiries@loomisfinancial.com.au
Address
Suite 1,
46 Smith Street,
Kempsey NSW 2440

PO Box 225
Kempsey NSW 2440

Loomis Financial Pty Ltd and Emily Males are Authorised Representatives of Consultum Financial Adviser Pty Ltd, ABN 65 006 373 995, AFSL Number 230323 an Australian Financial Services Licensee, Registered office at Level 6, 161 Collins Street, Melbourne VIC 3000 and a member of the IOOF group of companies.

Any advice on this site is general in nature only and has not been tailored to your personal objectives, financial situation and needs. Please seek personal advice prior to acting on this information. Any advice on this website has been prepared without taking account of your objectives, financial situation or needs. Because of that, before acting on the advice, you should consider its appropriateness to you, having regard to your objectives, financial situation or needs.