"We can arrange all your insurance requirements.
Furthermore, with Life related insurances we guarantee that our insurance
premiums are better priced than the Bank. Our knowledge and ability to
assist you with these requirements is also extensive, because we have
cultivated links into many insurance providers – you can choose who you
insure with.”
We all hate paying for insurance. I do, and if you're like me, you do. That
makes us sensitive to your ongoing needs, by selecting the most cost
effective insurance products using a range of different insurance
companies. Combined with our years of insurance experience, you get a
better all round service.
Calculate for
yourself how much Life Insurance you need.
Our calculator will help you work out how much life insurance
you need. Use it first for yourself, then for your partner if you have
one.
HELPFUL
TIPS AND TRAPS TO AVOID WITH INSURANCES
Income Protection (Living
Assurance)
Insurance Companies offer all kinds of confusing extras attached to their
policies. Avoid unnecessary expense and consider these points:
1.Waiting (Qualifying) Period. How long can you
wait before receiving benefits (wait periods go from 30 days to 12
months). Lower premiums can be achieved by accepting a longer waiting
period.
2.Definitions and Coverage. Look for
exclusions. In New Zealand we also have ACC, which does not cover
you for sickness. Statistically you have a 3:1 chance of being off work
for a period due to sickness rather than accident. Not all policies are
the same and we only provide policies that cover you when you cannot
perform your current regular work, so you are not forced to do
lower-paid unskilled work.
3.Shop around and compare quotes. Effectively we do
this for you because we have access to many insurance companies.
Trauma (Critical Illness) Insurance
1.Duplicate Coverage. If you already
have health insurance, income insurance and life insurance, consider how
much you really need, e.g. If you had a heart attack and had all the
other insurances do you need this as well.
2.Review Conditions. What illnesses
are covered? Claims experience suggests the cause of claims to be about
two-thirds from cancer and one-quarter from stroke, heart attack or
coronary bypass.
3.Be careful of additional benefits. These may be just
another way the insurance companies can screw extra out of you.
4.Shop Around. That is just what
we do for you.
Health Insurance
Main goal here is to help you pay for a major medical problem. Forget
covering ordinary doctors visits. These type of policies end up costing
you way too much long term. Check:
1.Are your children insured?
2.Is specialist insurance cover included? Do you need
it?
3.A higher excess will save you dollars.
4.Does your work place have a group plan? This will be
cheaper.
Online Health Insurance Quote - 10%
Discount
Enter your details below to get a personal quote sent to
you.
Special
Offer: If you do your mortgage through us, we not only
guarantee the most cost effective life insurances BUT we will give you
your first months' premium free. This offer does not apply to Pinnacle
Life Insurances at present.
