Insurance with Advisenow
Get peace of mind with our cost-effective and reliable advice, ensuring you are insured with the right policy!
Are rising premiums and endless policy options leaving you overwhelmed? Uncertain if your coverage will truly safeguard your future? Don’t let these worries cloud your peace of mind. Let us guide you through this complex insurance market with our professional, unbiased advice, ensuring you and your loved ones are fully protected when it matters most. We are here to provide the guidance and support you need from the start to the claims process and beyond.
Health Insurance
Health insurance is essential for safeguarding your financial and physical well-being. It covers medical expenses for illnesses, injuries, surgeries, and routine GP visits, ensuring you receive timely and quality treatment without the burden of unexpected costs. With rising healthcare costs, having the right health insurance provides peace of mind, enabling access to necessary care while protecting your savings. Our dedicated insurance advisers are here to find the right insurance coverage tailored to your unique needs. We will guide you through the complexities of different health insurance plans, ensuring you get comprehensive protection at the best market value. Invest in your health today and secure a worry-free future for you and your family.
Life Insurance
Life insurance is crucial for protecting your family's financial security, providing a safety net that covers expenses like mortgage payments, the family's education, and living costs in your absence. It ensures your loved ones are financially stable, even in unforeseen circumstances such as sudden illness, accidents, or unexpected death. At Advisenow, our insurance advisers make securing life insurance a breeze. We help you navigate the options, offering tailored advice to find the policy that best fits your needs and budget. With our expert guidance, securing peace of mind for your family's future has never been easier. Contact us today to explore your life insurance options.
Income Protection Insurance
Life's uncertainties can disrupt your ability to work, but your income doesn't have to suffer. Income Protection Insurance ensures you continue to receive a portion of your salary up to 75% if illness or injury prevents you from working. This isn't just about protecting your income, it's about safeguarding your financial stability, helping you manage daily expenses and maintain your lifestyle during tough times. Our expert insurance advisers specialise in tailoring Income Protection Insurance to fit your specific circumstances, simplifying the process and providing clear, professional advice to ensure you have the right coverage. If you don't have income protection coverage yet, let us help you protect your income because your ability to earn is your most valuable asset.
Mortgage Protection Insurance
Mortgage Protection Insurance is vital for safeguarding your home against life's unexpected events, such as illness, disability, or injury. It covers your mortgage payments during tough times, providing a crucial safety net for you and your family. At Advisenow, we don't just sell insurance; we take a personalised approach. Our experienced insurance advisers customise the right coverage for you by considering your occupation, industry, employment status, pre-existing medical conditions, and liabilities. We offer personalised guidance to ensure your mortgage protection plan up to 115% aligns perfectly with your unique needs. Don't leave your home unprotected—trust us to find the right solution and secure your future today.
Critical Illness/Trauma Insurance
When a major illness like cancer, heart attack, melanoma, or stroke strikes, it can throw your life into chaos. That's where critical Illness/ Trauma Insurance comes in. It offers a lump sum payment upon diagnosis of a qualifying condition, providing financial relief when you need it most, regardless of your work status. The funds can be used to pay bills, seek additional treatment, or support your spouse's time off work to care for you. This policy is a lifeline, helping cover living expenses, access non-government-funded treatments, and provide financial stability during recovery. Let us assist you in setting up the support you need so you can focus on what is most important—your health and well-being.
Total and Permanent Disability Insurance
Your income sustains your family, but an unexpected illness or injury could permanently disrupt your ability to work. Total and Permanent Disability (TPD) insurance provides a crucial lump sum payout if you become totally and permanently disabled. This coverage can alleviate financial stress, helping to pay off debt, manage increased household expenses, cover additional childcare costs, or fund necessary home adjustments. Regardless of age, disability can affect anyone, making TPD insurance a wise investment to ensure your family maintains their quality of life. At advisenow, we specialise in securing the right TPD policy tailored to your needs. Our expert insurance advisers will guide you through the process, ensuring you get comprehensive coverage that helps your family maintain their quality of life, no matter what.
Our Partners
Advisenow
We are not just another mortgage, insurance, and investment company. What distinguishes us is our human-centred approach, unwavering commitment to innovation, transparency, and outstanding customer service. By harnessing cutting-edge technology, we streamline processes for speed and efficiency. Our team of expert financial advisers are devoted to guiding you through each step, ensuring you make the optimal choices for your unique needs.
Why Us
- Personalised Service: Our team is committed to understanding your unique needs and guiding you toward the right solutions.
- Simple and fast approval process: We believe in providing quick and hassle-free services to our clients.
- Innovation: We are at the forefront of technological advancements, making your experience smooth, efficient, and user-friendly.
- Transparency: We believe in clear communication and full disclosure, ensuring you have all the information you need to make confident decisions.
Get in Touch
Explore our website to learn more about our services and how we can assist you on your financial journey. Contact us on 0221022898 or at support@advisenow.co.nz for personalised assistance.
Insurance Finder
Know all your options by completing this short form and be Better OFF!
Our Insurance Process
We will meet to explore what is most important to you and how we can best support your needs.
We will gather more information to perform a risk analysis of your situation, whether your goals are attainable now or if we need to explore other solutions.
After our thorough assessment, we provide personalised recommendations and discuss the subsequent steps with you.
We do the groundwork, applying to the insurers on your behalf to obtain your policy.
We will be on standby to answer any questions from the insurance companies and keep you updated on the wait time.
Congratulations on your insurance policy approval! We are here for you beyond this milestone, offering ongoing assistance and yearly reviews to ensure your cover matches your current situation.
Talk to one of our advisers about your insurance.
Want an answer to any of these questions?
- How much can I save on Health Insurance Cover?
- How much can I save on Life Insurance Cover?
- How much can I save on Income Protection Insurance Cover?
- How much is Dental Insurance cost?
- How much is Trauma or Critical illness Insurance cost?
- How much is Mortgage Protection Insurance cost?
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FAQs
What is insurance?
Insurance is a contract between an individual or entity (the policyholder) and an insurance company. In exchange for regular payments (premiums), the insurance company provides financial protection against specified risks, such as property damage, loss, illness, or death.
What types of insurance are available?
There are various types of insurance, including life insurance, health insurance, Trauma Insurance, Income protection insurance, mortgage protection insurance, disability insurance, car insurance, contents, homeowners/renters’ insurance, Public liability, and business insurance, among others.
How does insurance work?
When you purchase insurance, you enter into a contractual agreement with the insurance company. In the event of a covered loss or event, the insurance company provides financial compensation or coverage up to the limits specified in the policy.
What is a premium?
A premium is the amount of money an individual or business pays to an insurance company for coverage. Premiums are typically paid on a regular basis, such as weekly, fortnightly, monthly, quarterly, or annually.
What is a deductible or an excess?
A deductible or an excess is the amount the policyholder must pay out of pocket before the insurance company begins to cover the costs. For example, in health insurance, the deductible or excess is the initial amount the insured person must pay for covered medical expenses.
How is the cost of insurance determined?
The cost of insurance (premium) is determined based on various factors, including the type of coverage, the insured’s risk profile, age, BMI, coverage limits, and the insurance company’s underwriting criteria.
Can I customise my insurance coverage?
Yes, many insurance policies offer options to customise coverage based on individual needs. For example, in auto insurance, you can choose coverage limits, deductibles, and additional coverage options.
How do I file an insurance claim?
To file a claim, contact your insurance company or your insurance adviser as soon as possible after an incident. Provide all necessary information and documentation, such as a completed claims application form, photos, or receipts. The insurance company will guide you through the claims process or we are happy to help.
What is the difference between term life and whole life insurance?
Term life insurance provides coverage for a specified term, typically 10, 20, or 30 years, while whole life insurance provides coverage for the entire life of the insured and can include a savings or investment component.
Is insurance mandatory?
Some types of insurance, such as house insurance, are mandatory in New Zealand especially as a homeowner. Other types, like life or disability insurance, are typically optional but strongly recommended for financial protection.
