adviser.co.nz

Servicing the needs of over 6000 customers since 1970

Our products and services

Life and Critical illness insurance:

If you are aged 16 - 55 and wish to get an online quote for Life or Critical Illness Insurance go to our associate site at www.nzlife.co.nz


Funeral Insurance:

If you need a simple funeral plan, with a level premium and no health exams -  www.goldenlife.co.nz


Medical Insurance:

Pay less for medical insurance.

100% cover up to $250,000 per annum - no limits.  If you want an instant Medical Insurance quote - www.nzmedical.co.nz


KiwiSaver and retirement planning:

If you need information about KiwiSaver, retirement planning, or budget changes.  Information is available for employers, employees and individuals. 

www.retire.co.nz


For other advice:

For general advice about how we can help you with insurance , investment and mortgage products.  Then this site is right for you.


Advantages of a group scheme

Traditionally group insurance can be defined in two ways, voluntary or compulsory.

If the size of the group is large enough, a voluntary group may receive some premium discount and underwriting concessions. The real savings however for a group are in a compulsory scheme.

Where the take-up rate for a company is over 90%, and the premiums are either partially or fully subsidised by the employer, the benefits of a group medical scheme become clearly apparent. In addition to a significant premium discount, Insurance companies are able to provide automatic acceptance of all pre-existing conditions for members. No underwriting is required. This in reality means for the client or lives assured NO health questions.

The offer of automatic acceptance of pre-existing conditions may also be extended to the spouse / partner of the employee and their children.

This unique feature means full cover for each life assured from the date the policy commences. No wait or stand down period applies and cover is provided for all conditions covered by the policy including pre-existing conditions and required treatment.

For an employer this provision also avoids the unfortunate result of having some employees declined due to deteriorating health.

If you have any questions regarding this insurance you can email us

or if you would like to proceed with a group scheme, please fill out the following form and submit the form to us:


First Name:
Last Name:
Company:
Position:
Please contact me about:
 
Company Super Scheme
Company Medical Plan
Company Life & Disability Plan
Salary Sacrifice Scheme
Email:
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Fax:
Street Address 1:
Street Address 2:
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