Financial Services

Five Benefits of Using Insurance Brokers

If you had the option of buying insurance directly from the company and passing through an insurance broker, which option would you choose? Well, many consumers would opt for direct purchase, unaware of the benefits that they could derive if they involved a middleman. Before you make the decision to use the services of a broker, it is advisable to know what matters to you in the purchase. For example, if you want to engage a reliable national credit insurance broker by NTC, it is important to deduce how you can benefit from the services.

Here are top five areas in which you can benefit from the services of a certified insurance broker.


Contrary to what many consumers believe, it has been found that broker prices are in fact better than prices offered in direct purchase. This is true because insurance companies offer varying rates to their brokers, simply because the risk is lower for the company. Brokers are professionals and they are able to advise customers on the right policies to avoid underinsurance and unnecessary claims.


While many consumers would think that direct purchase is easier than broker system, you would be surprised to find that passing through a certified broker is indeed easier. One of the reasons why many consumers opt for direct purchase is online service. However, brokers offer better online services. For example, if you deal with the company directly, it is possible for your concerns to be sidelined, especially if they are less common.

On the contrary, a certified broker will keep the communication lines open and respond to your emails and phone conversations accordingly. The point is to engage reliable insurance brokerage services such as the national credit insurance broker by NTC.


While direct purchase can generate quotes a lot faster, the point is the speed with which the entire policy cycle will be handled. Brokers are often more efficient in follow-up compared to direct services.

 Peace of mind

Dealing with a broker exposes to a wide range of opportunities such as educating you regarding the policy, and addressing your concerns appropriately.

Secure personal data

When you engage in online dealings, you must think about the security of your personal data. Consumers who have used internet services can attest to their secure system, especially considering the size and type of organization involved. However, when it comes to phone conversation, brokers work better in protecting personal data of their clients

Brokers are qualified in various aspects of insurance policies. As such, they can respond effectively to specific questions to give customers a strong feeling that they are in a safe pair of hands together with their personal details.

If you intend to take coverage of any nature eventually, it is advisable to go the broker way. With the benefits mentioned, you are likely to save a lot on your part as a consumer. You will enjoy a smooth flow of information, reduced risk levels, and a lot more. For more information about national credit insurance broker by NTC, visit

Financial Services

Hard Money Lenders: Myths Debunked

For those who have not used the services, when they hear about ‘hard money’ loan, they most likely think about sinister lenders, out to make profits from unsuspecting customers. The truth of the matter, though, is that there is nothing dangerous about hard money lending. You can get more information from Evoque Lending on hard money lenders.

So, what are some of the myths that surround hard money lending?

Myth #1: Hard money is illegal

First off, many people believe that hard money refers to illegally acquired money. This is not true. Lenders refer to these types of loans as hard money because only immovable property or asset can guarantee them. This means that you can get the loan you apply for based on the value of the asset you put up.

For that reason, you will find that a majority of the people that seek this type of loan from are real estate developers or individuals in commercial property. They tend to use the loans as financial assistance in developing property that has shown some investment potential. This is because the future earnings may be more likely to cover the entire loan amount once the project comes to completion.

Myth #2: Hard money loans are from unreliable sources

The second myth about these loans is that unreliable individuals fund them. This mistruth stems from the fact that not many people understand the world of commercial money lending. It is important to know that hard money lenders are not affiliates of any conventional bank, which follow government rules to govern their operations. As such, there is not much flexibility when it comes to giving money to borrowers who do not meet their criteria.

The greatest advantage of hard money lending process is that it is private financing. These businesses are privately funded. As such, they can overlook a number of shortcomings in your application as long as you meet their core requirements. Keep in mind that hard money commercial lenders are looking for equitable opportunities rather than looking for individuals that have great borrowing strength. You can get more information from reliable sources such as Evoque Lending on hard money lenders.

Myth #3: You must repay hard money in the shortest time possible

The third myth about these loans is that borrowers must pay in the shortest time possible. This misconception may come from the period of time that one has to utilize the loan, but it is not that short. When considering a hard money lender, bear in mind that you can have between one and five years to pay it off depending on the sum of money that you have borrowed.

The best way forward would be to remain diligent on your part to know what different loan options are available for your particular situation. This, in turn, enables you to make a wise decision on what amount of money to borrow and if you would be able to pay it off in the allocated period. With these myths dispelled, you can apply for your preferred loan size from a reliable lender. Get more advice from Evoque Lending on hard money lenders here:

Financial Services

Why Life Insurance is a Wise Choice.

Although the desire for us to take care of those we love is inherent, this isn’t always possible especially when sudden death strikes, and the bereaved are left struggling not only emotionally, but also financially. One way to ensure that your family maintains some normality after your demise is taking a life insurance cover. Statistics for Brisbane, Australia identify heart disease and cancers as the leading causes of death.  Unfortunately, both these causes are majorly unpreventable and therefore this is a major concern when designing life policies for companies such as life insurance Brisbane – For additional details, click here life insurance brisbane –

life insurance brisbane -

Interestingly, with the nature of the Superannuation plans in Australia, life insurance may not seem a priority to a citizen in this country but information is power so before making such a mistake: understand the reasons behind insuring your life.

Life insurance is generally understood to be the protection of one’s dependents in case they are no longer there to provide. However, it is important to know that basically, it will fall under three broad types. That is term life, whole life, and universal life. Though the features differ, life insurance policies are renewable and revisable.

Term life

This is where there is a specified period in which the insurer may pay out the beneficiaries when the policy owner dies within that time. It has lower premiums as a result.

Whole life

It is paid out in the event of the death of insured as long as they paid the premiums to the point of death. It is usually an investment sort of plan where cash accumulates and given to the beneficiaries after the death of the premium payer.

Universal life

 For this, although similar to the whole life it varies in the determination of interest rates which are short term rather than the overall period of the policy term.

Having said this, it is prudent to point out that life insurance is just not a cover against death but any other risk that will affect your ability to be a reliable support to your family as before.  The products vary from policy to policy but good companies including the referenced insurance provider in this discussion, life insurance Brisbane –, will have the one or a combination of the following:

Life cover.

This is the umbrella under which the other products discussed below give preference depending on the ability of premium payer as well as their goal towards taking the cover.

Total and Permanent Disability (TPD) Insurance.

It is a protection against disability that hampers your ability to work and support the beneficiaries including death as stated before. It is important to read the terms in order to beware exactly what total and permanent disability comprise for your insurance provider because it is not universal.

Income protection.

From the name, this simply ensures that you continue to receive income in case something happens to prevent you from doing the same in the normal way.

Trauma cover.

Insurers against illnesses that cause the premium payer may suffer and as a result not be able to continue playing their role of support to the given dependents.

To better demystify this concept, however, you can learn more about available insurers such as life insurance Brisbane –

Financial Services

What to assess before trusting an investment management company

While some individuals count on the state and the small assistance they offer, some others design their future by themselves. And these second type of consumers developed big organizations and world-leading businesses. A few of them do it with no aid, while some others utilize the support of expert financial investment experts, like Truebell Capital.

To which community do you fit in? If you are someplace in the centre in between a total reliance from the governmental assistance and total flexibility of making your own choices, you can ask for expert recommendations from among those contractors that offer advice from services in the financial and the investment field, like Truebell.

Before entrusting your funds to anybody, make sure the service provider has these qualities or milestones:

1. They ought to have substantial experience in the financial market. If the contractor’s agents wish to assist you with all the best but do not have actually the required experience or understanding, their aid, probably, will not provide your preferred outcome. Another crucial thing: the business group ought to have the ability to supply you with clear and comprehensive guidelines.

2. They need to have a great variety of customers, ideally the recognized ones who have actually made great financial investments utilizing the financial investment management contractor’s guidance. In this case, you can be sure that you can have the very same if not comparable outcomes.

3. This is not a should but certainly a benefit — the service provider supervisors require to have an excellent quantity of stock themselves, as the supervisors of Truebell Capital do. If they do, you can be sure that they understand how to handle financial resources.

4. The business must have at least no financial obligation. Begin, if the company that is expected to handle your financial resources and their service provider owes money, they will definitely not be able to make profitable decisions for you. Truebell Capital, an investment management service provider, highlights the importance of this, specifically.

If the investment consultant you have selected complies with the above-mentioned requirements, you can move to the next stage of your selection process. Check who are the team members and managers of the business. If you see names that are not familiar in the financial world, even locally, you better think twice about entrusting your money and investments to those clients.

If you find out that the establishment’s managers or team members have never worked in the field, just run away. On the other hand, they might be not scammers and they might want to sincerely provide you with the best opportunities; however, they might never be able to do so. The financial team of Truebell Capital consists of individuals who have been working with finances for ages.

All in all, a perfect investment consultant is not just a financial contractor. It should be a business working in the investment industry. Only in such a case, you can be sure that the business members know the processes and opportunities and can provide you with clear professional advice. If you want to see how the perfect investment process looks, check Truebell. Even if you don’t use their services, you will see how it all functions and what you should expect from a world-class business.