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1st Floor Somerset House 57 Thomas Drive, Chevron Island QLD 4217

(07) 5539 90...

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Insure Qld
  •  Overview 
  •  Photos 
    3
  •  Our Team 
    6
  •  Testimonials 
    2
  •  FAQ 
    7

Business Overview

At Insure Qld we offer a no-hassle, one-stop service for all your financial planning and insurance needs. We provide business owners and families with the advice and support they need to protect their assets and secure their financial future.

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Insure Qld
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Our Team Profiles

Terry Dall'Osto
Name

Terry Dall'Osto

Position

Principal

Profile

Terry joined the insurance industry in 1983 and has had the opportunity to work with major organisations within the industry. This experience has been invaluable and has provided him with a wealth of knowledge to advise clients across a variety of industry sectors. Terry specializes in all areas relating to Risk Insurance. Terry is a member of the AFA and is accredited to provide advice on life, trauma, total and permanent disability insurance, superannuation and income protection. Terry also works with specialist experts in the field of business succession and estate planning. He can customise your insurance package to suit your needs whether it is business or family protection, mortgage/loan protection, key person, buy-sell and superannuation. Terry is a firm believer in the products that he recommends. He has had firsthand experience and is acutely aware of how important it is to have the right type of insurance in place. Terry recognises his vital role in helping you protect your business, wealth and financial future.
Scott O'Donnell
Name

Scott O'Donnell

Position

Financial Adviser

Profile

Scott joined the Insure QLD team in late 2009 and has 19 years experience in the Finance Industry. After completing High School on the Coast, Scott undertook a Bachelor of Business in Accounting and while working in the banking industry completed a Master of Commerce degree. Scott has a Diploma of Financial Services (Financial Planning) and is undertaking further Financial Planning qualifications. Being a Gold Coast local (having moved here with his family in 1976), Scott recognises the importance of ensuring client satisfaction and pays particular attention to the needs of his clients, their commitments, lifestyle and future goals. Scott’s professional qualifications allow him to provide tailored recommendations on life, trauma, income protection and total and permanent disability insurance in addition to superannuation and managed investments.
Jan Stockdale
Name

Jan Stockdale

Position

Risk Administration

Profile

Born in New Zealand, Jan and her family moved to the Gold Coast 7 years ago lured by extended family and the beautiful weather. Jan's career to date has been very much focused on providing excellent customer service, including 17 years with Air New Zealand. Jan joined the team at Insure QLD in October 2009 and her key role within the company is risk administration working alongside Terry Dall’Osto.
Lonna Dall'Osto
Name

Lonna Dall'Osto

Position

Practice Manager

Profile

Lonna joined Insure Qld in 2008 after having served 18 years in the health industry where her main focus was strategic planning, workforce planning, innovation research and the development of information exchange networks. Lonna is responsible for implementing planning and marketing strategies and the day-to-day management of the business.
Marissa Cooke
Name

Marissa Cooke

Position

General Insurance – Operations and Development

Profile

Marissa has worked in the insurance industry since 1997 working alongside Insurance Brokers within the Mackay region as well as QBE Insurance in Brisbane. Experience and knowledge gathered over the years has enabled Marissa to perform in a diverse number of roles including insurance advisor, claims officer and underwriting supervisor. Marissa recently joined the team at Insure Qld after relocating to the Gold Coast from her hometown of Mackay. Marissa is responsible for operations and development in the Business and General Insurance department and provides clients with superior service by achieving practical and effective results. She has completed her Certificate III in Financial Services and is in the final stages of completing her Diploma in Financial Services.
Terry Welch
Name

Terry Welch

Position

General Insurance Consultant

Profile

Terry has been an Insurance Consultant since 1988 and has worked for Suncorp in the insurance industry for over 36 years. His historical knowledge and expertise relating to business and general insurance is second to none. Terry has a great rapport with our existing personal and commercial clients and his key role is providing information on commercial and personal general insurance.

Testimonials

Please note that the following testimonials are collected, supplied and maintained by Insure Qld.

Mike and Wendy Hintz , Directors - Oz Tours Safaris (Cairns)
Ours is a family owned and operated tour company now in its 24th year of operation. Insurance policies for our business, our family and ourselves is always a priority. The Staff at Insure Qld have ensured we have maintained adequate cover with prompt service and an ongoing understanding of our requirements. We can sincerely recommend their services and look forward to Insure Qld Staff looking after our future needs.
John Anable , Owner/Director - Eurotune Pty Ltd (Gold Coast)
Staff at Insure Qld have been our Suncorp insurance agents and looking after our insurances since about 1990. In this time, they have taken care of both our business & personal insurance requirements promptly and professionally. They work closely with us and have an excellent understanding of our needs. Their expertise and ongoing service have made it easy for us to do business and we look forward to continuing the association with them in the future.

Frequently Asked Questions

What is Life Insurance? Life insurance provides a lump sum on your death or on the diagnosis of terminal illness. Life insurance provides financial support when it's needed most, giving your loved ones financial security and freedom to make choices about their future. The right amount of Life insurance differs from person to person. With the help of our Advisors, you can calculate an appropriate sum insured for your circumstances which will reflect your debts and the ongoing income requirements of your dependants. What do they mean by Key Person or Key Man Insurance? Every business has at least one person who is key to the success of the business, whether it's you the owner, your business partner or a key employee. As a business owner, it is crucial that you identify the key people in your business - those who are vital to the ongoing running and success of the business and whose absence could threaten this success or could ultimately mean financial ruin. Key person, or sometimes referred to as key man insurance is an insurance policy purchased and paid for by the business. It protects your business from the adverse economic effects of suddenly losing a key person through death, total and permanent disablement or a traumatic illness. This type of insurance is especially important for self-employed people and small business owners because if an essential member of their business cannot work, this cover will assist in the cost of replacing that person. What is Income Protection? Income Protection can provide you with a regular monthly income, generally 75% of your pre-tax income, if you are unable to produce an income as a result of illness or injury. Income Protection is also generally tax deductible. Whether you are an employee, self-employed or an employer, various levels of cover are available depending on your particular needs. By replacing your regular income, Income Protection payments can help you and your family maintain a level of financial normality. Income Protection gives you the financial freedom to focus on your recovery or treatment, without worrying about regular expenses. Income Protection policies are very flexible and can be tailored to suit your individual and family circumstances. How does Trauma Insurance work? Having moved through the adolescent phase in life where we considered oursleves 'bullet proof' we come to accept that traumatic events such as contracting cancer or having a heart attack don't only happen to other people. There is no guarantee that surving a serious illness will mean a return to full, functional health. Trauma insurance provides you with a lump sum on the diagnosis (or occurrence) of one of a list of specified serious medical conditions and procedures. Each insurance company maintains their own list, but generally they include serious medical conditions such as cancer, heart attack or stroke. Trauma insurance is designed to provide you with money when you need it most. You can generally use the money how you choose, for example to cover medical costs and treatment, or to reduce debt. Some people choose to make a permanent lifestyle change, such as reducing their working so they can spend more time with family. Why does a Business Partnership need partnership protection? All business relationships will unavoidably come to an end. The question is when, and in what circumstances. The end could be a voluntary departure through retirement or disagreement or involuntary departure such as death or total and permanent disability. The key is to identify the possibilities and plan for the outcome, it is simply good planning to protect what is often a very large investment. A Business Succession Plan is designed to pre-agree to a strategy with different professionals liaising and putting legal agreements and funding in place before they are needed. In most cases the agreement (called a Buy Sell agreement) comes into effect on the payment of an insurance claim for death, total and permanent disability or critical illness to one of the partners. This triggers the transfer of their share of the business to the surviving partner. When should I see a financial planner? Many Australians tend to think you should only contact a financial planner to discuss your retirement. This is not the case. Whether you have started your first job, are planning a family or want to retire early our financial planner can assist you in preparing a financial plan. No matter your age, income, experience or goals, we may be able to help you increase your wealth, save on tax and secure the lifestyle you want. You don't need a lot of money to see a financial planner. However, making the decision to prepare a financial plan puts you in the driver's seat. You are pursuing financial security, which ultimately gives you freedom and choice. At Insure Qld our financial planner can help with advice if you: are single, married, widowed or divorced have sold a property or business, have received an inheritance, redundancy or insurance payout, are self employed want to retire early or are preparing for retirement We are dedicated to helping you prepare financially for life's most important milestones, so you can achieve your goals. I am just starting out in business, what type of insurance will I need? Insurance is an essential part of running any business and it is good business management to protect the assets of your business, including yourself, your partner and/or key staff. However, trying to work out what insurance you need when starting out (or even afterwards) can be difficult. At Insure Qld we have developed a Business Insurance Checklist to assist in guiding you through the insurance maze. The Checklist is a guide only and incorporates many areas of insurance you need to consider to make sure you are adequately covered and your obligations are met. To download your complimentary copy go to http://www.insureqld.com.au and click the business insurance checklist box. It is also important to note that every business is unique and as such some categories of insurance might not necessarily apply to your situation. Accordingly, we strongly suggest that you seek professional advice regarding insurance covers for your business.

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Keywords

financial planning, comm insure, financial planning, financial advisor, portfolio management, asteron, aia, financial adviser, managed funds, colonial first state

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Business Hours

Monday 08:30am to 05:00am
Tuesday 08:30am to 05:00am
Wednesday 08:30am to 05:00am
Thursday 08:30am to 05:00am
Friday 08:30am to 05:00am

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