Stepped Or Level Insurance Premiums For Doctors And Dentists?

Yves SchoofBusiness

It is absolutely critical that you get your insurance premium funding right, as it may end up costing you thousands of dollars more if you get it wrong.

In this video from the Medico CFO suite, I talk about stepped vs level premiums.

Things to consider in your decision include:

  • Affordability in the short and long term
  • How long will you require the cover for?
  • What is the break-even period for each policy type



It is essential that you seek professional advice, ideally from someone like us, who prefers to rebate insurance commissions where possible, leading to further premium savings.

Feel free to contact me on or 0432 885 295

Yves Schoof
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Yves Schoof

Author | Specialist Adviser for Medical Specialists and Surgeons at Affluence Private Wealth
I specialise in managing and coordinating the financial affairs of medical professionals and have been recognised as one of the best financial planners in Australia. I am a Certified Financial Planner and member of the Financial Planning Association of Australia.

As I understand your time is extremely valuable and scarce, I am able to offer flexible meetings times, including outside business hours and during the weekend. I can even come and meet you somewhere convenient, or talk via videoconference on Skype.

My first consultation is free. I allocate up to 90 minutes to discuss your personal circumstances and to establish how I may best assist you. Where you already have an existing adviser, I would be happy to offer a second opinion. I always quote a fixed dollar fee before we start working together.

Please contact me on or call me direct on 0432 885 295. You can follow me on Twitter @YvesSchoof or connect with me on LinkedIn to receive new articles.

Yves Schoof and Affluence Private Wealth are Authorised Representatives of Synchron, AFS Licence No. 243313. 

The information posted is intended to be general in nature and is not personal financial product advice. It does not take into account your objectives, financial situation or needs.
Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement (PDS) or other offer document prior to making a decision.
Yves Schoof
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