Services
How can I HELP YOU
Whether you have existing insurance covers or not; it is important to review these if your circumstances have changed in regard to income levels, premiums increases, home ownership, family or employment changes.
I would love to give you the opportunity to sit downwith me to review your current insurance portfolio. This would be a total obligation free consultation to reach a solution that best meets your current and future needs.
I specialise in making policies affordable and sustainable over time through “levelled” options to lock in premium prices at today’s rates and to avoid the problem of escalating and non-sustainable premiums.
What do i offer
Life Insurance
Helps you to provide financial security for your loved ones when they die.
Trauma / Disability Protection
Helps you to cope financially in the event of a major illness or injury by reducing stress and letting you get on with your recovery.
Income & Mortgage Protection
Gives you additional financial security by providing you with replacement monthly income when sickness or illness prevents you from working and earning an income for yourself.
Business and General
Covering general insurance risks including public liability, key person and income protection, based on your individual personal and business requirements.
ACC Levy Advice
We understand the inside-outs of ACC Cover Plus Extra for self-employed persons, and can assess whether your premiums are working to give you the best all-round cover.
Medical Insurance
Gives you the security of knowing you have protection and options available should you experience health issues.
My Personalised Process
PROCESS
Before I formally met with you, I like to have some idea of what types of insurance cover you may have; eg life $500,000, trauma $100,000 etc and your date of birth.
I use this basic data to work out some projections of what your current premiums are likely to rise to over the next 10-15 or 20 years. This is a very useful discussion starter for when me meet as it will help focus your thinking around long term affordability & sustainability.
At this point we make an appointment to meet which could be at your home or workplace or other location that suits
PROCESS
At our Initial meeting, I gather some basic info about you and your family, your work and what you might see as your insurance risks. This allows me to fine tune my future recommendations and considerations.
I will take some time to go through my premium projections with you and explain in more detail what are the key differences between “stepped” and “levelled” premiums.
We will discuss possible insurance options and covers for you and the possible ways that they could be structured.
We set another time for me to return with a full statement of advice, including a range of quotes
PROCESS
As a broker, I can compare premium costs across a number of providers on your behalf. It is my job to be able to get you the best deal, that most suits your specific needs, both now and into the future.
My statement of advice will include my analysis of your situation and risks, as well as taking into account your thoughts. It will include a range of quoted prices, which we can use to fine-tune your thinking.
Once you have agreed to the types and structures of cover you need; we can proceed to application.
Personal Insurance
Life
Trauma
Income Protection
Mortage Protection
Total & Permantent Disability
Medical Insurance
Business Insurance
Life
Trauma
Employee Insurance
Loss of Earnings
Key Person Insurance
Total & Permanent Disability
ACC Levy Advice
Ensuring Long-Term affordability
and sustainability