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The Benefits of using an Insurance Broker

Finding the right level of insurance cover can be a time-consuming and expensive task. If youre keen to find a better deal, or youre unsure of the level of cover required, an insurance broker could be right for you. And can free up your time to do what you enjoy!

Why choose to use an insurance broker over just going to a life insurance company direct or just taking out insurance at a bank?

  • Often it costs less

We have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf. In addition, because we deal with a range of insurance companies directly, sometimes we can access policies that are not available to most consumers.

Just like an accountant or lawyer who provides you with professional advice, based on years of training and experience, we do the same with your insurance.

  • We provide you with options

We have access to the major life, health and Fire & General insurance companies in New Zealand. This gives us the ability to give you are range of product information, pricing, and insurance company detail

When arranging insurance, many people take shortcuts or are simply unaware of some of the complexities. As a broker, however we have a strong knowledge of the insurance market. 

Whatever cover you need, we are there to provide advice and assistance to ensure you are appropriately protected.  

We will:

  • explain your policy to you
  • guide you through the process
  • advise you on any associated costs or special situations you need to look out for
  • negotiate competitive premiums on your behalf.

  • We work for you upfront

The most important aspect when taking out insurance is having the reassurance that your policy will cover you if/when you need it. We work upfront to make sure you are given the best insurance terms possible for you- this is something that we discuss prior to the insurance policy being put in place.

  • Insurance can be complicated

Some insurance policies can be complicated, we can help you understand the details of a policy and work out what level of cover you need, so that you can make sure you are properly protected. We will explain your policy to you and advise you if there are any special situations you need to know about.

  • We are professionals

As brokers we are Registered Financial Advisers (RFAs) that means that we are registered individuals that can give financial advice on insurance (known as a category 2 products). Only a financial adviser that is regulated under the Financial Advisers Act can give financial advice on buying personal risk insurance. Our details are on the Financial Markets Authorities register (All financial advisers must comply with the requirements of the Financial Advisers Act 2008 (FA Act)). The FMA register gives consumers confidence that a broker is placed in a position of accountability and that our actions our governed. Should a despite arise between us this then can be addressed independently and is legally enforceable.

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