Frequently asked questions:

About the Advisor:

What is the cost of an Authorised  Financial Advisor?

There is no charge for a consultation

What services do you offer?

A full Financial Report which is based on your financial goals and aspiration for protection again the unforeseen circumstances that will allow you to achieving your financial goals if you are unable to work due to illness or injury or you pass away too soon. This is a protection for your family and or business to minimize your financial loss due to your incapability to earning and income.

Why should I choose you?

We have over 15 years' experience, we are local and we have a 97% persistence for client satisfaction. We will take care of your claims so you don't have to deal with an 0800 number.

Who are your suppliers?

Sovereign Assurance, Fidelity Life, AIA, OnePath, Asteron, Aon, Tower.

Why is it important to review our policies?

It is important to review your policies, once a year for Personal Insurances or 6 monthly for Business Insurance as circumstances change and overtime the insurance companies make improvements to policy wording, and increase amounts on limits of cover, which you can take advantage of with regular reviews.

Business owners Protection:

I have just started my business, what kinds of cover can I get?

We have available a "new to business package" that will cover up to $5000 per month without using any financials and has no ACC offsets at claim time.

If I already pay ACC levies why do I need any extra cover?

ACC can't always help you. Contrary to popular belief, you can't rely on accident compensation in all situations. And you're more likely to be disabled by illness than by accident - 40% of disabilities are due to disease or illness while only 34% are due to accident or injury. Insurance for illness and injury can help when ACC isn't able to.

What are the different Insurance products you have for Business Insurance?

Life Cover, Income protection, Key Person, Business Continuity, Business Overheads, Trauma Cover, Total Permanent Disability, Medical Cover.

Personal Protection:

What are the different Insurance products you have for Personal Insurance?

Life Cover, Income protection, Trauma Cover, Total Permanent Disability, Medical Cover, Mortgage Repayment, Redundancy Cover, & Travel Insurance and Fire & General.

Why do I need life insurance? 

The death of you or your partner would be hard enough for your loved ones to deal with. But putting plans in place now can help lessen the financial strain that they may experience at a very emotional time. The purpose of life insurance is to protect the loved ones you leave behind. It is a wise and practical choice that can help offer reassurance at a difficult time.

I am fit and healthy, why do I need trauma cover/medical insurance?

Get health insurance when you're fit and healthy as you're unlikely to get cover for health problems you already have (pre-existing conditions). Check the following article

http://www.stuff.co.nz/business/money/4926590/Sick-New-Zealanders-putting-it-off

Mortgage Structure & Protection:

What protection do I need to cover my mortgage?

Mortgage Repayment Insurance, will cover your monthly mortgage payments through to age 65yrs if you are unable to work again with no ACC offsets.

Will trauma cover pay for my mortgage?

Trauma can be used to pay off your mortgage completely or a major part of it. Trauma Cover is a one off lump sum payment.

Can you help me to restructure my mortgage?

Yes we can, we can show you how you can pay off your mortgage faster and save you large amounts of interest while shortening the time you have a mortgage.