Down to business

For most of you who have been with us for years, you know where we are located - no. 30 Ponsonby Road, the K'Road end next to Cafe People...

Don't worry we have't moved and nor are about too - we've just added our name to front of the building so that everyone else now knows where we are! And we've also got signs down the driveway so you no where to park!

Down to business...

The insurance industry, the products and benefits and features continues to evole - it's a big job keeping up to date with everything available and as a team we have training every week - this means you are getting the best possible, and importantly, most current and relevant advice from our team.

 

If you want to discuss or review your insurance, give us a call anytime - we offer a free insurance reveiw service to everyone.

freephone 0800 823 823 or click here to book a coffee & chat.

 

Click here to see the team > 

 

 

 

What's your plan?

"Don't allow death to take you by surprise"    read full article here
This was a headline that caught our attention in the past weekend's NZ Herald which had some very useful information that can make such a big difference. Getting your affairs in order while you are young'ish, fit and healthy just makes sense... leaving things till you're incapacitated or not done at all can create quite a nightmare for those left behind.

Have you thought about what would happen if ... you were unable to work again or prematurely died...

• What bills will be still need paying?
• Will your mortgage be paid in full or payments be met?
• How or where would you be buried; how would this be paid for?
• Who will take care of your children?
• Will your family be financially secure?

These are just some of the key areas that we as advisers help people make decicions on each day.

Ownership
Who owns your insurance policies?
Will the right money from a claim reach the right hands at the right time - when they need it most?

Funeral Cover
Depending on your wishes; have you any idea about the costs of a funeral and how your family will pay for this?
Some life insurance policies have a funeral component that can be paid promptly - does yours?
Do you know what you are entitled too - Work and Income have a funeral grant for people with limited means.

Financial Survival
Have you considered how your family will survive financially if you cease earning an income from being incapacited or prematurely die?
What additional costs (such as, child care) would occur if the home keeper was incapcitated?
Have you mortgage protection cover or income insurance?
What is the cost to you from not having insurance?

Are you self employed
Would your business continue to generate an income without you working in it?
Who will act on your behalf?
Would your family continue to receive income?
How will your shares/financial interest be distributed?

So, our recommendation is to have a review of your affairs - regularly!

Life changes and stuff does happen so at least annually sit down and complete a personal stock take of what's important to you & your family.

Book a review today - freephone 0800 823 823
or click here to book a meeting

Family Cover

There is nothing more precious that a new bundle of joy...

If you are planning a family or have a new arrival due - in amongst the excitement of gettting prepared with the new cot, push chair, high chair, car seat, baby clothes and toys... what about insurance? Protecting whats most precious...

Let us know as soon as you can so that we can ensure baby is covered on your medical insurance...

• some policies offer free cover for the first three months; and
• some at two years

We will check what you are eligible for and get it sorted so that there is no need for underwriting.

And, don't forget if think you need to review all of your insurance so that it remains cost effective and gives you the best possible cover for your whole family, give us a call - 0800 823 823. It's a free service.

Money Week 2012

It's started...

Have you booked your Sorted Seminar - " Think, Shirnk & Grow"?

• THINK ahead - make a plan for your money & be prepared for the unexpected
• SHRINK your debt - get rid of high interest debt quickly & manage your mortgage
• GROW your savings - save regularly to reach your goals & invest in your future

We are seminar facilitators - the seminar takes about an hour, and by the end of it you'll know more about the steps you can take to get financially sorted - and where to go for help!

Sorted is brought to you by the Commission of Financial Literacy and Retirement Income.
If you haven't checked out their website you should: click here https://www.sorted.org.nz/

Contact Gillian Winiata-Hedley to organise your seminar 0800 823 823.