I offer free insurance advice to clients in Australia, we come to you and provide you with a one stop solution by comparing all insuance companies quotes to present clients with an overall picture to make it simple and easy, we offer free advice which is at No added costs to our clients insurance needs.

1. Galaxy Financial
Services
Balaji Chengalpet
&
Pooja Balaji
Mobile : 0421 654 078
www.odinhomeloansandinsurances.com.au

2. 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 ?

3. 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 Gym regularly 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)

4. So What is Insurance
• Pay 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 )

5. 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
expenses
• Provide 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 style
• Tax benefits ( Income protection premiums are generally tax
deductible )

6. 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.

7. I agree, but I cant afford
• What’s important for you
• Cigarettes 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

8. I want to do it but can’t afford the
world at the moment
• Packages can be tailor made to suit one’s budget
and needs.
• Policies can be upgraded at any time
• There is no ongoing contracts
• Pay by bank account or use your credit card with
frequent flying programs to gain points quickly
and save on flying tickets
• Something is better than nothing
• Earlier the better to keep the costs down

9. What services do Galaxy provide
• An 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 cover
• One stop solution to compare all insurance companies costs to pick
the best one to suit your needs.
• Organise everything 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 application
• We get paid by the companies that we work with and therefore its in
No way an added costs to your premiums.

10. What are the process involved
• Initial enquiry
• Quotes
• Research and advice
• Application
• Medicals if required
• Policy completion