Insurance comes down to buying peace of mind. Do you want to have a fallback in case an emergency happens? And is that fallback worth more than the amount you pay in premiums? With several different options available here in NZ, which ones are truly worth the investment and which ones can you pass on? Like with many elements of finance, the answer depends on your particular circumstances.
What types of insurance do you offer?
Being prepared for an emergency can be a lifesaver, literally. But it’s also important to plan smartly. Buying up every type of insurance in maximum cover can cost you much more than the actual emergency! When you work with us, our goal is to maximise the value you get while minimising the cost.
We can help you get several types of insurance coverage for emergencies including trauma cover, total permanent disablement, and even Mortgage & Living cover, which helps cover your mortgage payments if you’re sick or injured and can’t work. Other insurance includes kids cover and health insurance to help you focus on the recovery of yourself or a loved one when they need it most.
We can help you decide on what insurance cover is best for your situation
There are many factors to consider when shopping for insurance. And we can help in many ways including:
- Working out an affordable plan that suits you and your family.
- Guiding you through the application process.
- Helping you when you have a claim
- Checking to see if your cover needs adjusting or if a change in premium structures can help you
Typically, most places ask you a few limited questions and can give you cover with minimal hassle. However, this means that they often skip over important factors like medical history and pre-existing conditions which can lead to a surprise denial when it comes time to make a claim.
We do things the other way around. By doing an in-depth assessment upfront, such as gathering doctors’ notes and finding out other elements of risk upfront, we can help you choose the most appropriate option from the get-go. That way, you’ll know if you need additional cover or if there are some things you aren’t covered for, meaning it won’t be a surprise come claims time.
What if I have cover already and want to change?
If you already have a particular type of insurance, we may be able to help you get a better value. If some of the cover is through your bank, you should be able to get a report that shows how much your payments are and what you get for your money. Sometimes, staying with what you have is best, especially if you’re considering changing health insurance providers and are in worse health than you were then.
We’ll give you one-on-one personalised advice and let you know what we think are your best options. In some jobs, such as factory workers and scaffolders, some types of cover aren’t available because the jobs are considered high-risk. And some coverage might not be worth the cost for you and your money could be better used in a long-term savings plan instead. Talk with us, and we’ll give you options with your best interests in mind!
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My partner and I couldn’t be more grateful for everything that Brenda & her team did for us in getting our dream home and even handling life insurance, the process couldn’t have been made any easier. What should have been a stressful time in our lives was made into an enjoyable experience.
We had a tricky case, with only one wage and my wife expecting the second baby we’re really pushing the boundaries of what we could borrow. Brenda and the team went above and beyond to twist some arms and pull some strings and managed to get us what we thought was impossible and we’re now happily living in the lovely house we wanted so much. they really did an amazing job and were extremely fun friendly and professional. highly recommend them and they will help you get over any hurdle you have.
My husband and I couldn’t recommend Brenda and her team more highly. Without her, our out of town dream wouldn’t have eventuated. Thanks again x
Brenda is absolutely amazing!
It’s just like talking to a friend! So bubbly, friendly and helpful
No need to look any further than Brenda
Brenda was fantastic and helped us with our mortgage, mortgage review and other financial advice. Highly recommend her to everyone.
Brenda and her team helped us out a few years back now and without her, we would not be where we are today. She puts in the hard yards for her clients.
For us, it not only helped with our dream home but also put our business on the map by being able to get a new build mortgage.
This woman is amazing! We would not be where are now without her! Brenda is honest and driven – highly recommend!! Love your work Brenda
Brenda is fantastic at what she does. We recommend her to anyone we know who needs a mortgage and /or insurance advice. Thanks for everything, Brenda!
Brenda is amazing! She made it so simple and easy for me to sort my finances and find my perfect home
Brenda and the team are absolutely amazing. Just a fantastic bunch of ‘normal’ people who go the extra mile. Brenda is crack up, efficient and easy to talk to. Highly recommended.
Exceptional service. Brenda and her team took all the hassle out of our original lending and have made the whole rollover process so easy. It has made all the difference having someone we can trust and rely on to help us navigate the hard stuff.
Brenda is very approachable and easy to talk to. We found her extremely helpful and would recommend her to anyone needing her services.
I honestly can not thank the team enough for all the hard work they put into helping me get my home. Never once did they complain about my constant nagging calls or unusual questions or even the quick turn around. It didnt feel like a business transaction it felt like a family member helping me out. Really cant recommend this team enough. Want the best, go with the best.