Personal Insurance Advice & Services Oakleigh

Looking for Personal Insurance in Oakleigh?

Look no further than Mint Financial Solutions. We offer straightforward accounting, taxation, and bookkeeping services that will you make smart decisions with your money. We are experts in our field, and take the time to understand your needs, constraints, and values so you can achieve financial security.

  • Individual Cover

  • Family Cover

  • Life Insurance

  • Income Protection

  • Indepentant Advice

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Family Financial Protection Insurance

What happens in the case of some of life's most difficult situations may be discussed with the utmost professionalism and compassion by Mint Financial. Preparation is the key to living a long, healthy, and happy life.

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Total & Permanent Disability Insurance TPD from Mint Financial in Oakleigh

Unable to work in any capacity due to an accident or sickness, TPD insurance covers you.

Insurance Protection

Your first step on the path to financial security and success should be to develop strategies to safeguard your future finances. It's a terrific idea to plan for the future and set some goals for yourself. However, none of us are able to forecast our future need for medical care.

An experienced Insurance Advisor from Mint Financial can assist you in making future preparations. Make certain that any potential health problems along the way do not result in undue financial strain or disaster. We don't simply come up with ideas to help you get richer as part of our service offering; we actually do it. In addition to this, we collaborate closely with you to provide insurance guidance in order to safeguard your wealth. We do not believe in giving a financial plan that is one-sided and uncertain because it goes against our beliefs. The incorporation of insurance is a critical component in assuring the long-term viability of your plan.

Get Insurance Advice And Invest In Your Family’s Future

There are few words to explain the feeling of knowing that your family is safe as you go through life. The closest is probably peace of mind. It's a sense of being protected and safe. Imagine the sense of relief that would come during a time when you would not be able to work because you would know that you are protected and that you would continue to get money even if you would not be able to work.

Compare this to the possibility of being injured or unwell and unable to work. Add to that the dread and stress about how you will make money. Where will the money come from, and how will you maintain yourself and your family?

That is why we provide insurance advice ahead of time so that you and your family are prepared if the need arises.

Trauma Or Critical Illness

If you are diagnosed with a serious illness such as cancer or suffer a stroke, it is highly possible that you will need assistance from medical professionals as well as time off from work, which could last for a significant number of months or even years.

If you have trauma insurance, you will receive a lump sum payment that is exempt from taxes to help with expenses such as school fees, hospital costs, home loans, and daycare. This will allow you to focus on getting better rather than worrying about how you will pay for these things. You need assistance on trauma insurance to be able to understand the diversity of options that are out there, and our welcoming team of financial advisor professionals is ready to assist you in doing so.

Income Protection

Income protection can help pay a portion of your monthly wage if you are unable to work because of a sickness or injury until you are able to return to your previous position. The purpose of income protection insurance is to provide a replacement income while you are unable to work and may qualify for a tax deduction for the premiums paid.

Whether you invest via your superannuation or pay for it out of your own pocket, there are several different ways that you can gain access to income protection insurance. We are able to guide you towards the income protection insurance policy that is best suited to meet your requirements.

Life Insurance Oakleigh Based Insurance Advice From Mint Financial.

Provides your loved ones with a lump sum payment that will replace the income you would have earned, pay off any loans, assist your family financially.

Discover the right life insurance option for your needs and don’t risk leaving your loved ones in a tough situation. Make sure you seek professional life insurance advice from our qualified team at Mirador Wealth Management.

Personal Insurance

Why Do you Need It?

More than four-fifths of Australians insure their car, but less than a third of us insure the source and support of our lifestyles – our income.

At a glance:

  • Most people insure their cars and homes but how many actually insure their incomes?
  • This is often due to people’s aversion to considering the financial impact of an accident
  • Insurance isn’t for the cautious. It’s for the realistic and sensible

How Much Is Enough?

There are many factors affecting the level of cover you need and there are some questions you will need to answer:

  • If you were to become too sick or injured to work, how long could you keep your lifestyle and pay your bills?
  • If you were to pass away, who would repay your debts? What sort of lifestyle would your beneficiaries have?
  • Are you self-employed? If you were to have an accident and were unable to work, how would you cover your business expenses? And what will it cost?

Types Of Insurance In Super

There are three types of insurance typically offered through your super:

At a glance:

  • Death (including terminal illness) cover
  • Total and permanent disability cover
  • Temporary salary continuance cover
  • Premiums are paid within your fund from contributions
    (pre-tax or post-tax) and/or from your super account balance
  • Automatic cover within super is normally offered at basic levels
  • You will need to consider: How much is enough?

What You Need To Know

  • Insurance through your employer’s super is usually negotiated on a group level. This means the premiums are likely to be competitively priced.
  • Default insurance cover provides a basic level of insurance and does not involve a medical assessment, but it may not be enough.
  • If you want to increase your cover you may need a medical assessment.
  • There are tax issues you should be aware of when considering increasing your insurance cover within super compared to outside super.

Taxing Issues

There are some important tax issues you need to be aware of when deciding between taking insurance inside or outside of super, as it will impact your premiums and the benefit

Establishing a solid Business Insurance strategy helps you to maintain control over your business equity and financial stability.

Mint Financial Solutions will create a personalised insurance package to identify risks and threats to the equity in your business (such as the death or disablement of a business partner), and ensure your business is against the consequences of not being able to work in or manage the business, or death.

Brands we partner & work with

See what our clients say about our Financial, Accounting & Lending services

Nash Nwz
Nash Nwz
09:31 20 May 22
Hishan and team were great to deal with. They provided us with a thorough review of our options and got us the best deal for our situation making the whole process simple and easy. I highly recommend their services.
Anne Gartshore
Anne Gartshore
01:08 25 Mar 22
We have been dealing with Hishan and his team for over a year now with our superannuation and planning advice. Very happy with the path that they recommended to us and the performance in the past year, especially during such a trying time globally. Would not hesitate to recommend.
Babak Bozorgy
Babak Bozorgy
21:09 12 Oct 21
Professional service, friendly and quick to respond. Highly recommended!Thanks guys, keep up the good work!
Tom Sharp
Tom Sharp
05:06 07 Oct 21
A million thanks to Mint Financial Solutions in resolving the issues withCentrelink having cancelled the Age Pension Payment and Benefits for over 15+ weeks, actually last payment was early June. Next Payment received 4th October due to the professionalism at Mint Financial Solutions. Thanks to the Team at MFS from Rhonda & Tom Sharp : it good to know that MFS know how to do it better than any.
Mike oppedisano
Mike oppedisano
07:07 21 Aug 21
We have been clients of Mint Financial Solutions for the last twelve months; The team is very professional and friendly in their approach to us the customer, with lots of knowledge and experience. They helped us make an informed decision with our investment. At that time, we were not sure what we were going to do with our money.The plan laid out by Hishan and his team clearly set goals and rewards. These have been proven and very beneficial over the last twelve months. The growth was even more than what was predicted.We are especially happy with Hishan, Marlon and the rest of the Mint Financial Solutions team and very grateful for their help. More people should be made aware of the expertise and assistance they could provide.
Wolfgang Doehnert
Wolfgang Doehnert
03:51 18 Aug 21
In the 12 months this Company was engaged to continue as our financial advisors we have been extremely satisfied with their performance financially and in quality of service. Our unusual needs and fast response was met. The team and I say team because if someone is away there has always been another person to actively respond in a timely manner. Well done to the frontline staff and in particular, the back office staff, for their help and support during these COVID times.
Nishan Joseph
Nishan Joseph
01:16 22 Apr 21
I have been using the services of Mint Financial Solutions since its inception, and I am truly grateful and appreciative of the professionalism and care they take when recommending services to me, only providing what is reasonable and relevant to my situation and circumstances. A key stand out on the team is Crystal Nguyen who has been helping me over the last few years in order to get approved for a refinance application. Her patience, dedication and level of professionalism is beyond remarkable, I am extremely appreciative of the hard work she has put in for my case, despite many setbacks we finally got there in the end. Thank you very much Crystal.
Kaye Baynes
Kaye Baynes
07:38 10 Mar 21
Hishan and his team have always given the best service and advice always available and nothing is to much trouble .
Ramesh Navaratne
Ramesh Navaratne
22:55 27 Jan 20
I started a conversation with Marlon at Mint Financial services over 8 years back and since then he had assisted me in many insurance related and investment related transitions. The advice and the systems put in place by Marlon and the team came in handy when about two years back I had a health and financial issue in the family. Am I glad that he prepared me and gave me the correct advice at that time and if not for Marlon and the team I cannot imagine the sate of my family given commercial stability defines all other day to day problems that you need to deal with. Wish the team all the best and can recommend them highly of the professionalism and excellent service.
Sherone Algama
Sherone Algama
12:50 22 Jan 20
I have received invaluable financial advise and tailored solutions over the past two years from Marlon De Kauwe; and would like to commend on the professionalism & dedicated service i was provided with; which indeed was value for money.Thanks Marlon.Prasad Algama
Shabnam Bozorgi
Shabnam Bozorgi
21:29 09 Oct 19
I have been using their service for years now, their team have manages my tax and home loan, very professional and committed, I couldn't ask for more, always responsive, and can handle complicated cases very well.
Imran Wahid
Imran Wahid
05:57 20 Sep 19
The best place to get financial advice,I am really satisfied with services.I got all from tax return to super annaution and investment all in one office.
Saliya Gunawardena
Saliya Gunawardena
20:27 03 Apr 19
Hishan and the team at Mint Financial Solutions have been amazing to deal with. They helped me refinance and obtain a very competitive interest rate on my mortgages. I highly recommend Mint Financial Solutions, they are professional, committed and can get you the right outcome you seek!
Brent Germain
Brent Germain
05:19 02 Apr 19
Hishan and The Team at Mint Financial Solutions have been brilliant, helping me every step of the way (and keeping me in the loop) in obtaining a homeloan to build my dream home. Very happy with the high level of service and professionalism shown!
Nigel Sewera
Nigel Sewera
03:43 26 Mar 19
Hishan and his team have given me great guidance and honest advice with all Financial matters, most recently with all the help and support they provided with my mortgage.Mint Financial Solutions are always extremely professional and reliable and provide great customer service. I highly recommend them
neela unadkat
neela unadkat
08:18 25 Mar 19
I am a retired banking officer and I have found Hishan Naufal and his team to be extremely efficient prompt and thorough. Very useful and grateful to him and all his team for all the guidance and advise we have been given . They are very upfront and fair with their advise . My whole family seek his expertise and I have recommended Hishan and his company to many of my friends and colleagues who have been grateful for recommending him.Well done Mint financial Solutions keep up the good work 👏😊
Steve P
Steve P
23:42 31 Jan 19
I have had the pleasure of engaging Patrick to assist me in a number of complicated financial matters. He is punctual, efficient and above all else provides excellent service, which has helped me secure my financial future and saved me stress and from a financial standpoint. Give him a call as he is great value.
Avelyn Miranda
Avelyn Miranda
05:18 17 Aug 18
Hishan and his team were excellent from start to finish with my recent property purchase. Mint Financial Solutions have been my financial planners for the last 4 years and I highly recommend them for service and cost.
Don Australia
Don Australia
00:24 06 Jul 18
Thank you Hishan for your never ending support the past 2 yrs. Very talented team and extremely fair rates. These guys are definately the go to for any brokering or mortgage needs.
Amal S.Z.
Amal S.Z.
02:32 05 Jul 18
One of the most trust worthy and competent financial adviser I have ever come across. Can always trust Hishan and his team to give sound and honest guidance in all financial matters. Thank you!
Three13 Group
Three13 Group
02:22 05 Jul 18
Thanks Hishan for assisting us with the restructure and land settlement. Good to have a great business partner to count on when the time calls for it.
Ali Kazemi
Ali Kazemi
02:20 05 Jul 18
Hishan and his finance brokerage team have helped me get a mortgage for a property most thought would be too complex to do (using different legal structures). Competent and highly responsive team!
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Mint Financial Solutions FAQ

What are personal insurances?
Personal Insurance is a type of cover that provides financial security to you and your family for events such as a serious injury or illness, loss of ability to earn, total and permanent disablement or even death.
Why do I need personal insurance?
Having adequate life insurance cover provides you and your family with financial protection in the event of unexpected death, illness, injury or a major health catastrophe (such as disablement, a heart attack or cancer). Insurance coverage provides you with peace of mind.
What is the difference between personal insurance and life insurance?
Although both policies primarily cover the death benefit, there is a major difference. Personal accident insurance covers claims to death due to an accident while life insurance covers claims to death in general.
What personal life insurance covers?
The death benefit from a life insurance policy can also cover end-of-life expenses, like funeral and burial costs, taxes, and any personal or medical debt that remains after you die

We'll Secure Your Future Without Sacrificing Your Present By Helping You Plan & Achieve Your Financial Goals

Strategic financial planners that understand what is important to you, and guide getting you to where you want to be. Paying off debt, buying a house, starting a family? or a dream retirement? We can help get you there. Book your free appointment!

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