Welcome back!
Scene One – Providing Entity
Hi Pritpal! Jo here from Insurance Advisory Service, presenting to you your personalised video Statement of Advice today. My authorising licensee and contact details are on the screen now, should you wish to reach out to me at any time. Okay, let’s get right into it.
Same as Jo’s Scene 1
Download Links
Providing Entity
Hi Pritpal! Jo here from Insurance Advisory Service, presenting to you your personalised video Statement of Advice today. My authorising licensee and contact details are on the screen now, should you wish to reach out to me at any time. Okay, let’s get right into it.
Same as Jo’s Scene 1
The Client
You recently changed careers from working as a chef to working in management. You have therefore come to us seeking a review of your personal insurance and superannuation arrangements. Your current personal and financial circumstances are outlined in the attached Fact Find. Please ensure you let me know if any of this information is not accurate.
Same as Joe’s other Scene 2, but show man in chef uniform first, then show man in suit.
Client description
· Headwear: The client wears a snug, head wrap.
· Facial Hair: A very full, thick beard dominates the lower half of the face. The
beard is dark, dense, and extends broadly across the cheeks, jaw, and chin, with
a natural, untrimmed appearance.
· Moustache: The moustache blends into the beard and appears equally thick and
dark.
· Eyes: The eyes are clearly visible and framed by dark eyebrows. The eyes appear
forward-facing toward the camera.
· Eyebrows: The eyebrows are dark, prominent, and full.
· Face Shape: Due to the heavy beard coverage, only the upper facial structure is
clearly visible. The visible portion of the face appears broad.
Scope And Goals
We therefore agreed that this advice will cover a review of your superannuation platforms, superannuation investments, and personal insurances. As discussed with you, the following are your goals as we understand them. Once again, if any of these goals are not accurately captured, please ensure you inform us.
Scope:
Super (platforms)
Super (investment)
Personal insurances
Goals:
1. Ensure existing insurance cover remains appropriate following occupation
change.
2. Improve cost efficiency where possible.
3. Maintain adequate protection for family, debts, and lifestyle.
4. Simplify insurance structures and reduce duplication.
5. Review superannuation positioning to support long-term growth.
The Advice
Fees And Costs
Okay, with all the advice covered, let’s discuss fees.
The only fee you will pay is the upfront advice fee amounting to $3,300 plus GST. This will be set up as a direct debit of $1,100 per month over three months. The upfront fee covers the following list of services leading to the delivery of this Statement of Advice. Further, it is important that you understand how we get paid. In the first year, we will receive an upfront commission of 60% of your first year premium, amounting to $1,965.80. In all future years, until you decide to cancel your insurance products, we will continue to receive an ongoing commission of 20% of your premiums, amounting to $655.27. Please note that these commissions are paid by the insurer directly to us and is not an additional cost to you.
Same as Jo’s Scene 5, but also use Shaun’s Scene 5 for commission.
Disclosures
Right, we have now covered the advice in full. So let’s go through the next steps. There are some important disclosures that you need to read and be familiar with. These are attached to my email. This advice purely considers your interests only and is in your best interests. If you wish to proceed with the advice, please sign the attached authority to proceed and return it to me. Otherwise, if you have any questions, please let me know. Thank you!
Same as previous Jo video