A couple approached us for cover on their first home, an as-is where-is property that had been fully repaired after the Christchurch earthquakes. They contacted several direct insurers that declined cover and advised that the property was un-insurable. Our team looked into the property details and found a domestic insurer who would offer cover if certain conditions were met. We were able to clearly clarify the list of the documents required to obtain cover. Our team helped this young couple take advantage of a rare opportunity to get into the housing market.

Sometimes our clients become great friends. A man in his 80s had a difficult earthquake claim. We pushed and pushed to keep things moving for him, even meeting on site with builders or engineers. Today, he is living in a lovely, fully repaired home and he still checks in and meets our claims advocate for coffee. It is care and empathy for clients, matched with our deep understanding of the policies that creates great results.

Implementing private health insurance at a young age, prevents pre-existing conditions being excluded as you age. For one family this was particularly beneficial as their one year old child was diagnosed with a rare vision disorder which meant there was only 10-15% vision in one eye. While treatment in the public health system may have taken up to 12 months to be completed, the family was able to act quickly during the child’s important developmental time. Surgery was done within weeks and the child has recovered with 100% vision. There is no greater reward than seeing our policies make a real difference to someone’s life and in this case drastically improving the developmental path for the child.

We recommended a policy to a couple that had young children. After reviewing their debt and income levels we made sure they had a policy to cover their debt plus several years of income. A few years later, the husband, in his early 50s, became ill and unfortunately passed away. At the funeral, the wife introduced our Adviser as “The man that made sure we didn’t have to sell our house.”

A family who had recently arrived from overseas and brought into a local business came to us for advice on how to best protect their family and business. We started by understanding what was most important to them and then recommended policies that reflected this. We set up life insurance as well as trauma cover and income protection. We made sure that if anything happened to the business owner, the staff would be looked after. Less than a year and a half later, the husband was diagnosed with a terminal illness. The cover came into effect. The trauma and income cover allowed him to focus on what was most important. He was able to spend time with his family. The business and personal debt was covered, the children’s future and education were covered. The business was able to continue so his staff were also looked after.