If you’re considering getting insurance, you may be wondering: should I go direct or use an insurance adviser?

It’s a great question, and here’s the short answer: if you’re looking for a financial safety net that’s tailored to your needs and goals, working with an insurance adviser from the get-go can make all the difference. Here’s why.

We can save you time on the research

On the surface, getting insurance is pretty straightforward. Once you know what type of cover you want (e.g., health insurance, life insurance…), you just need to find a provider and complete an application with them. But here’s where things can get complicated.

There are many different providers to choose from, each with their own policy terms, add-ons, allowances, and exclusions. Even if you’re not entirely new to insurance, comparing all these solutions to find the one that’s most suitable for you can take a long time.

As financial advisers, we know the insurance market inside and out, and can help you take the guesswork out of searching for the right policy for you. After learning about your goals and budget, we’ll compare options from the providers we work with and provide you with tailored recommendations, which we’ll explain in detail. It’s always a conversation worth having.

We can help you understand your insurance needs

Many people have heard of health and life insurance, possibly the most common types of personal insurance cover in New Zealand. But they’re not the only solutions available – and they may not even be the most appropriate for you and your situation.

For example, if you have family depending on your income to get by, you may consider income protection insurance. And if you’d like to protect your financial situation from the impact of a serious medical event like cancer or a heart attack, then trauma insurance may also be a suitable option.

Of course, you can’t protect yourself from all risks in life. But as insurance advisers, we can help you identify what’s most important for you to protect financially and focus on bridging any gaps first.

We’re with you for the long haul

Think of insurance advice as a long-term relationship, one that can span years or even decades. Over time, your life will likely change: you may pay down your mortgage, change jobs, have children, or become an empty nester. And with any of these key life events, your insurance needs may change too.

As advisers, we’ll be there to help you adjust your cover if needed. Every year, we’ll remind you about your annual review. And if anything changes in the meantime, or you have some questions to ask, we’ll be just a quick phone call away.

What’s more, insurance reviews can be a great opportunity to get a refresher of what’s covered in your plan – so you don’t miss out on a claimable event.

We can help you at claim time

‘Claim time’ is not something anyone likes to think about, but that’s where having cover makes all the difference.

As financial advisers, we do our best to support clients in this potentially emotional and stressful time, by liaising with providers on their behalf and getting the paperwork in order. We can guide you and your family through the process and answer any questions you may have –invaluable help when you need it most.

Get in touch

From quotes to claim time, insurance advice is about lifelong peace of mind. If you’d like to discuss your needs, please don’t hesitate to contact us: click here to find a SHARE adviser near you.

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.