The Benefits of Using an Insurance Adviser

Finding the right level of insurance cover? This can be a time-consuming and expensive task. Therefore if you’re keen to find a better deal an insurance adviser could be the right person for you. Hence you can free up your time to do what you enjoy!

Why choose to use an insurance adviser over just going to a life insurance company direct. Or just taking out insurance at a bank?

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

Insurance often costs less through a adviser

We have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf. In addition we have access to policies that are not available to most consumers.

As advisers we are just like an accountant or lawyer who provides you with professional advice based on years of experience. Hence we will 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 a 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 adviser, 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 understanding that your policy will cover you. Of course if you need insurance cover. We work upfront to make sure you are given the best advice possible. This is something that we discuss prior to the insurance policy being put in place.

Insurance can be complicated

Some insurance policies can be hard to understand. Hence we can help you understand the details of a policy and work out what level of cover you need. Hence you know now 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 advisers we are Registered Financial Advisers (RFAs). This means that we can give financial advice on insurance (known as a category 2 products). Only a financial adviser that is under the Financial Advisers Act can give financial advice on buying personal insurance. Our details are on the Financial Markets Authorities register. All financial advisers must comply with the Financial Advisers Act 2008 (FA Act). The FMA register gives consumers confidence that about the adviser.
Indeed when placed in a position of accountability their actions are governed. Hence if a dispute arises between the parties this then can be addressed independently and is legally enforceable.