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Important information

Not all providers in the market are included in our comparisons.

Also note, any information or advice given on our website is general. It hasn’t taken into account your objectives, financial situation or needs.

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Extent of our comparisons

Not all providers of insurance, mortgages, and credit cards on the market are included in our comparisons. The amount of any savings will depend on your circumstances.

To see who is on our panel, select a product from the menu below:

Disclaimer

Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information or advice on this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. We recommend that you obtain financial, legal and taxation advice before making any financial investment decision.

Not all providers of insurance, mortgages, and credit cards on the market are included in our comparisons. The amount of any savings will depend on your circumstances.The products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage.

RATE DETECTIVE PTY LTD. AUSTRALIAN CREDIT LICENCE NO. 469009. The Rate Detective website and brand name is operated by Spotter Finance Pty Ltd who are an authorised representatives of MYONLINEADVISERS PTY LTD ABN 85 159 942 828 Australian Financial Services Licensee 427484. Spotter Finance and its advisers are authorised to advise and deal in superannuation and life insurance products only.

How we get paid

We (including your adviser) may be remunerated in the following various ways for the financial services provided to you.

Commission

We will receive commission on any life insurance products your adviser arranges for you. This commission is built in to the cost of the insurance. The rate of commission varies between the different product providers but can be up to 140% of the initial premium and up to 40% of renewal premiums. Based on the 140% and 40% we would receive up to $1,400 upfront commission on an annual premium of $1,000 and up to $400 of each renewal premium.

Performance Bonuses

Sometimes product providers will pay us bonuses based on the business placed with that insurer. The criteria for such bonuses are typically the volume of business placed and the level of retention of that business over time.

In the event that we receive a performance bonus it will be shared with your adviser. From that part of the bonus generated as a result of business written by your adviser, the adviser may receive up to 100% of that bonus (37.5% if you have been referred by an affiliate, with the affiliate receiving 12.5%).

Alternative Benefits

We maintain an Alternative Benefits Register which contains information about any alternative forms of payment or benefits that may be received. Please let your adviser know if you have questions about or want to inspect this register. We may receive sponsorships from product providers which contributes to the professional development of our Authorised Representatives.

Privacy Policy

Respecting your privacy

Central to the success of Rate Detective is our commitment to our clients.

We honour without reservation our obligation to respect and protect the privacy of the personal information of individuals with whom we deal.