Insurance

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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