Insure QLD Pty Ltd

Address: 68 Ashmore Road, Bundall, QLD, 4217

Servicing Areas: Brisbane

Today's Opening Hours: Closed

Phone: 13005669...

Website: http://www.insureqld.com.au

About us

Insure QLD - one professional point of contact for all your insurance and financial planning needs.

At Insure QLD our focus is looking after the insurance and financial planning needs of busy Professionals and Business Owners.

We're all about making life less complicated for our clients. We can guide you through the insurance maze and help you find the best plan for your specific profession,...

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Opening Hours

Monday: 8:30am  -  5:00pm
Tuesday: 8:30am  -  5:00pm
Wednesday:Closed
Thursday: 8:30am  -  5:00pm
Friday: 8:30am  -  5:00pm
Saturday:Closed
Sunday:Closed

Our Team

b902e27421011f54ce63bab14dd7011a.jpg Terry Dall'Osto
Position: Principal
Year Joined: 0
Profile:

Principal and Risk Adviser

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.

20e2dc804090bd1753611008c695dd41.JPG Lonna Dall'Osto
Position: Practice Manager
Year Joined: 0
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 the day-to-day management of the business including management of accounts, office workflows and HR.

A good deal of Lonna's time is also allocated to website technologies and business planning and includes overseeing the implementation of business plans and marketing strategies.  

6f96869b170378b245fe071686a37587.jpg Jan Stockdale
Position: Risk Administrator
Year Joined: 0
Profile:

Born in New Zealand, Jan and her family moved to the Gold Coast almost 12 years ago lured by extended family who moved here 21 years prior and of course the beautiful Queensland weather.

Jan originally joined Insure QLD in October 2009 working alongside Terry Dall’Osto as Risk Manager.   After a short break away from the insurance industry, we welcomed Jan back in early 2013 and she has again taken up the reins of Risk Manager.  Jan provides support to the Principal and oversees all things relating to Risk Insurance, including tracking and keeping tabs on new business, liaising with insurance providers and clients, as well as assisting clients with their enquiries.  

Jan has numerous years experience with risk insurance and her career to date has been very much focused on providing excellent customer service, including 17 years with Air New Zealand.

 

b318b71efc26fda5e1a0797249d05422.jpg Alana Anderson
Position: Account Manager - Authorised Representative
Profile:

Alana is a Gold Coast local and joined the team at Insure QLD in 2011 after returning home from a 12 month working stint in New Zealand.

Alana's experience within the insurance industry has been solidly built over the past 10 years and is underpinned by her high level of professionalism, knowledge, problem solving ability and her dedication to providing excellent client service.  

Knowledge and experience gained working in the insurance industry both in Australia and New Zealand, enables Alana to successfully manage a wide range of commercial and domestic portfolios including writing new business, preparation of renewals and handling of claims.

Alana holds a Diploma of Financial Services – (Insurance Broking) Gold Seal and is Tier 1 accredited through NiBA College.

afc1bf45022490a9746bf5ad2f135fd5.jpg Rebecca Labaj
Position: Account Manager - Authorised Representative
Profile:

Rebecca joined the team at Insure QLD in 2010 after relocating to the Sunshine State from the UK.  With over 10 years experience in the insurance broking environment, Rebecca brings a vast range of experience and knowledge to her role at Insure QLD.

With a talent for identifying insurance requirements and developing business solutions, Rebecca easily manages the diverse needs of a whole range of business types.

Rebecca enjoys dealing with a mixed portfolio of large commercial and business clients and whenever possible prefers getting out and about to meet with clients to offer support and to better understand their business.

Rebecca holds a Diploma of Financial Services - Insurance Broking and also has a Cert CII (Chartered Insurance Institute - UK) qualification.

 

 

 

8e2d848eea47c5e33ea08f4536e289a9.JPG Trudy Duncan
Position: Broker's Assistant
Profile:

Trudy joined Insure QLD in May 2013 after relocating to the Gold Coast.  Trudy has extensive experience in providing high quality administration support and has over seven years experience, predominately within the Legal setting.

In her role as Brokers’ Assistant, Trudy works alongside the Account Managers and assists with the processing of policies, handling claims, accounts, telephone queries and is responsible for the daily administrative operations within our Insurance Broking area. 

Trudy has completed a Certificate II in Business Administration and has also completed her Tier 2 Certificate in Insurance Broking.   Trudy enjoys liaising with clients and is interested in learning more about the industry.

F.A.Q.s

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 hours. 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.

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 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 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 give 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.

When should I see a financial planner?

Many Australians tend to think you should only contact a financial planner to discuss your retirement. This isn’t 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 visit our website www.insureqld.com.au and select Business Insurance Checklist. 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.

Testimonials

Please note that the following testimonials are collected, supplied and maintained by Insure QLD Pty Ltd.

Insure QLD Pty Ltd
" As a busy professional, Terry and his team has made choosing my income protection and insurances easy by tailoring an individual package to best suit my needs.  Terry regularly reassesses my plans to allow for any changes in circumstances. I feel confident that Terry has me covered if anything involving a claim was ever to arise.    "
Dr David Ashford from Oasis Dental Studio, Broadbeach, GOLD COAST Q. 4218
Insure QLD Pty Ltd
"McGovern Agencies, and Ben and myself, have been dealing with Insure QKD for at least twenty (20) years now on a professional level and personal level. Insure QLD has made it very easy for us to make decisions for our company and personal needs over this period of time. Terry & Lonna have also been good friends of both Ben and myself for all these years.  We first met Terry through Rotary and our friendship and business relationship has grown. Their support and knowledge of our insurance needs during our life thus far has been invaluable and Terry is always informing us of what is available in the market place as our needs change; and for our future when we consider retiring later in our lives. Because we live and run our business in Townsville, Terry always travels here to meet with us to check on how we are going and if we require anything for the business or personal insurance.  Their team is always professional and helpful whenever we call them. I would not hesitate in recommending Terry and the team at Insure QLD to any of my friends or clients as their team will respond to any needs you require in a quick and professional manner.  "
McGovern Agencies from Townsville, North Queensland 4812
Insure QLD Pty Ltd
"Ours is a family owned and operated tour company now in its 29th 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."
Mike and Wendy Hintz, Directors - Oz Tours Safaris from Cairns
Insure QLD Pty Ltd
"Staff at Insure Qld have been our Suncorp Insurance agents and looking after our insurance 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."
John Anable, Owner/Director, Eurotune Pty Ltd from Gold Coast

Keywords

Public Liability, Life Insurance, Business Insurance, Gold Coast, Brisbane, Queensland, Gold Coast, Brisbane, Life Insurance, Income Protection, Trauma Insurance, Partnership Protection, financial planning, portfolio management, financial advisor, financial adviser, managed funds, retirement planning, superannuation

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