Making sure your family has the correct risk protection in place in case something unforeseen happens is so important. You just never know what’s around the corner. But personal insurance can be complex, and if you find it overwhelming, you’re not alone.
Seeking advice from an experienced personal insurance adviser rather than trying to figure it out all by yourself is a great decision. We’ll advocate for you and act on your behalf when dealing with the insurance companies. We provide advice, negotiate for you, and if you need to make a claim, we can guide you through the process.
Just like mortgage brokers, insurance brokers are paid by a commission, which means that for you, our service is effectively free. We save you time by researching the pros and cons of different policies, do all the research for you, and negotiate on your behalf. As a result, you’ll get the best deal for the policy that’s best for you.
Whether you’re new to the world of insurance or are looking to review your current policies, we would love to advice you on the personal insurance options that are right for you and your family.
Life is unpredictable, and we help singles, couples, families and business owners with a tailored service to help them stay protected. This includes life and trauma insurance, income protection, mortgage repayment insurance, and more.
We’ll look at all the options and advise on the best solution for your situation, so you don’t have to worry about the nuts and bolts, and we’ll explain all the details to you in plain English.
01.
If you have just taken out a mortgage, it makes sense to get life insurance set up to make sure your family is left with a freehold house if you die.
02.
You are off work for a month or more due to illness or a medical issue. With this insurance, you and your family can keep paying the bills.
03.
If you’re dealing with a serious situation such as cancer, heart attack or stroke, trauma cover will take away the financial pain so you can focus on your recovery.
04.
If you get sick, medical insurance will help you jump the public waitlist and give you access to treatment that could otherwise cost you thousands.
With personal risk insurance, you’ll have financial stability during uncertain times. Choosing the right cover can be a life changer when you and your family need it the most.
When working with families, we get a lot of questions. Here are the most asked ones, so you can hopefully find the answers easily. If you are looking for more specific information, book in a time with one of the team and we’ll have chat.
While not technically brokers, many people still use that term. We’re here to provide advice on the right covers for you, then help you put it in place at the best price.
A good insurance adviser makes the process so much easier for you. We understand the policy wordings and all the dry stuff and understand what it all means in real situations.
What one person/couple/family worries about doesn’t necessarily apply to someone else, which is why we look at your personal situation and needs before we go off and look for the insurance options. Finding the right personal risk cover for you and your family is our job, and we love doing it.
We’ll do the legwork of comparing and getting quotes, explain things in easy-to-understand language, and help get the best outcome at application and claim time. If we see things can be done better, we’ll fight for you.
Our team is not only great to work with, but we also make sure to add real value as we utilise our extensive knowledge and experience of the New Zealand insurance market. Think of us as your friend who goes that extra mile to ensure you have the best and most appropriate insurance coverage available.
It depends- will anyone (including yourself) be worse off financially (or worse off because finances are not there as expected in the future, such as for your kids’ education) if you can’t work or pass away? If yes, then yes. If no, then probably not- but you can still have it if it gives you peace of mind. If you want to have access to the best options for medical diagnoses and treatments and don’t have access to large sums of money, then it’s a definite yes!
Enough to get a really good understanding of your situation, from basic details about your age, smoking status, etc to your financial situation so we can see where you’re ok that means less need for insurance, and where maybe there’s some vulnerability that we can protect you from with insurance.
Most importantly, there will be questions around what’s most important to you to protect, as well as anything that might mean you have another way of dealing with things instead of paying for insurance. Our goal is always to keep premiums as low as possible while still protecting you from things that could throw a spanner in the plans you have for your life!
With insurance, there are lots of things that an affect the suitability. Book a discovery call with one of our expert advisers and we’ll be more than happy to look into it for you.
Your circumstances and goals can change over time, which is why we recommend reviewing your wealth protection and insurance cover at least annually.
Planning Pros can sort everything in person, by phone, or with a video call.
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