Working with a financial adviser

Changes to the financial advice regime.

There’s been some changes about financial advisers to make things better for you. We’ve got a list of some of the most common questions to help you.

Learn more.

Financial advisers (also called financial advisors) provide financial advice or guidance to customers about financial products. As well as assisting with life insurance, financial advisers may provide other services (depending on their qualifications) including investment management, income tax preparation and estate planning, which gives them an overview of your financial position allowing them to make recommendations suitable for your needs and goal.

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Why do we use them?

Many insurance providers in New Zealand choose to sell insurance directly to the public. We think that making sure you and your family are properly covered with an appropriate insurance plan is an important process that shouldn’t be rushed through in a few minutes.

Having a discussion with a reputable and independent financial adviser (also known as an insurance broker) helps to create a full picture of you as an individual, which in turn helps to tailor an insurance plan designed to cover you and your family’s or business's unique needs.

How can they help you?

Choosing the right insurance for you can be tricky to get your head around. That’s why it’s essential to have a dependable expert in your corner to assist you.

A financial adviser can:

Help you to break down your financial objectives into manageable goals
Navigate the benefits and features of different policies
Look at your income, debts and family circumstance, in order to help you structure the right cover for your needs and your budget
Recommend a suitable type and amount of cover
Guide you through the application process
Liaise with the insurer during the underwriting process
Guide you through the claim process and be in your corner should you ever need to make a claim
Recommend alternative options if you have been told that you are not able to be insured or are offered limited insurance

What to consider.

Like any professional you deal with, you should find a financial adviser you trust and feel comfortable with. Your friends, family or employer are a good place to start when looking for a recommendation.

Some things to consider when choosing a financial adviser are: