Our background with Australians overseas
For 20 years Noall & Co. have been providing insurance services to Australians overseas. We can provide access to Life insurance, Trauma and Income Protection policies for professionals around the world.
We can also provide similar cover to expatriate commercial pilots to selected airlines such as Cathay Pacific.
This solves a major problem for expatriates from Australia and New Zealand who know that insurance contracts in Australia are usually more comprehensive and more competitive in premium than most local insurance but until now have not been able to access this type of cover.
While working with the Australian professionals overseas, two major issues kept arising when it came to our client’s personal finances.
Firstly, we were being told how they are usually time poor, working long and varied hours and as a result don’t often have the time to look after all their insurance and financial needs as well as they would like.
Secondly, with so many insurance policies available, it is important to know which contracts have been designed especially for the expatriate professionals in mind, whether it is covering a particular region of the world, or specific duties of a professional. So while this has meant that benefits have improved with more competition, it has also meant these contracts have become more confusing.
We believe Noall & Co. has provided a solution to both these major issues, through our Expatriates Service and our Expatriates Professionals Kit which includes a free ‘no-obligation’ insurance review service.
Expatriates Professionals Kit (click here)
Noall & Co. have developed a free kit outlining the special features that policies have with the expatriate professional in mind with their levels of features and benefits.
Included with this is a free no-obligation ‘insurance review’ service so that if you already have a Income Protection policy or other life policy and would like to know how it compares against the rest of the market or if it is an older style policy, how it compares to the latest version.
Our free appraisal allows in a simple to understand format, for you to see where you are now and if you and your family are protected in the event of you becoming sick, injured, or worse.
We now have a dedicated Senior Consultant, Pierre Moussa, who specialises in insurance and other related advice, particularly for expatriate professionals. Pierre is available at any time via email or over the phone. Along with our Managing Director Marc Bineham, Pierre will visit some of our overseas expatriate professional customers from time to time.
Pierre is also experienced in a wide range of financial planning services, helping many Australians secure their financial futures over the past decade.
All aspects relating to your advice and obtaining insurance can be organised over the internet, in a timely and convenient manner.
There are times when we need to be reminded about what our most valuable asset really is. Not just to us, but also to those who are most important to us – our families. When you really think about it ‘you’ are their most important asset, plus your capacity to earn an income and provide for them.
At Noall & Co. we don’t just “guess” what your value
might be, we work with you to calibrate the value you represent - and then
we research the insurance market to ensure you acquire policies of insurance
that represent the best value in the market for what needs to be achieved.
Income Protection is designed to cover up to 75% of your regular income if you cannot work due to illness or injury. Premiums are also generally tax deductible, depending on your individual circumstances.
Life Cover pays a lump sum upon your death to ensure your family have the funds to pay off any major debts such as your house mortgage and provide income for the long term to ensure no financial hardship.
It can also be to ensure special needs are covered such as your children’s
education costs.
Total and Permanent Disablement Insurance
Total and Permanent Disablement cover pays a lump sum if you are permanently disabled to ensure that your family has the funds to pay for your medical costs as well as to ensure your families financial future.
Is usually as an option when discussing Life Insurance cover. You can have cover for ‘Any’ occupation or ‘Own’ occupation.
Trauma cover pays a lump sum if you suffer from one of the specified major diseases or injuries covered such as a heart attack, stroke, cancer or blindness.
It has been designed to provide a benefit to help you cover medical and rehabilitation costs, and to also help you with lifestyle changes.
Business insurance including Buy/Sell arrangements
Specifically designed to cater for clients who have their own business with business partners who have equity.
This insurance and buy/sell agreement provides the assurance needed that if one of the partner’s become disabled or die there is a mechanism in place to fund their share in the business that would need to be paid to the deceased’s estate.
For a no obligation quote so as to see what cost it would be for insurance that fits your particular circumstances, please click on link below:
