There are a number of dedicated insurance companies in New Zealand and their offerings all differ slightly. They will differ in terms of their policy wordings; for example, some will offer free trauma cover for your children, others will pay immediately on an income protection policy in certain circumstances; and they also differ in terms of how they view you as a risk. For example, some companies are more lenient on family history so if you mother or sister has had breast cancer, that will not impact on your application whereas another insurer will want to charge you more because of your family history. Other insurers are more lenient if for example, your weight is higher than it should be.
Working with a broker who has access to a range of offerings ensures you have a protection plan that is tailored to your personal circumstances.
Whilst a bank may offer insurances, they are generally working with only one insurance company and their staff may not be aware of the various policies in the market place.
Our service is free to you but more importantly you get a personalised plan that will deliver the best result for you, your family and your business.