5 Steps to protecting your income
Below are the 5 quick steps involved in protecting your income from illness and injury.
1. Meet with a Valor adviser to discuss needs
We discuss your living needs, family goals, occupation and at a high level any medical conditions. In this meeting, we can provide you a quote range so that you can gain an idea of the premiums. You can meet in person in our office or remotely via online meetings.
2. Insurance strategy and quotes - advice
Your adviser prepares the strategy weighing up your different criteria, papers quotes and advice and then discusses the advice with you in the 2nd meeting. You can make changes or accept the advice.
3. Application
You meet with the adviser or directly with a nurse online to complete the insurance application.
4. Medical background
Higher levels of cover may require medical testing and doctor certificates. We assist you to arrange these.
5. Underwriting
The insurance company assesses the application. We support your application with the insurer and help to negotiate the best possible terms. Once a decision has been made, we let you know the outcome and help you to take any further steps (if required).
Once you have your cover, the insurance company can not change terms that leave you worse off. Insurance can become a valuable asset providing relief from worries about how you would cope if you became ill or injured.
Take step 1 now and book a meeting with us to discuss your protection needs. If you book by February 15, 2023 you could save 15%^ on your first year's premium.
Call us on 02 8013 5205 or via our Contact Us form