Do you know that comparison sites are not always the best way to compare insurance policies?
Some of the policies you’ll be offered can be fairly generic so if you want a policy that meets your individual circumstances it might be better to use a specialist.
A qualified financial adviser can help work out exactly what you need cover for and customise insurance cover specifically for you.
They can be invaluable in sourcing the best deal for you, customised to suit you perfectly. And, in the event you need to make a claim, an adviser can help you through the claims process – removing the stress so you can focus on you and your loved ones.
Here are a few other reasons why going to a financial adviser for insurance might be the best choice:
1. Getting expert guidance does not cost you more
Like comparison sites they get paid commission by the insurance provider for selling their products so you don’t pay them a fee for shopping around to get you the most appropriate plans for your needs
Unlike comparison sites they have specialist expertise and can give you guidance on the products that best suit your needs.
2. They know all the options
Insurers won’t always offer you every type of cover when you go directly to them. Financial Advisers can help point out the types of cover available for the insurers they represent and help you work out what you need.
3. They will find you the right product for you
A Financial Adviser will ask you about your personal circumstances to find you the right policy. They’ll also be able to tell you if you’re already covered by your existing insurance policies so you don’t overlap, and they will often get you a good deal by comparing prices and product features.
4. Find Specialised cover
If your need is specialised they can find tailored cover to suit your needs
5. Continue to Support you
If you need to make a claim, your Financial Adviser can support you by taking away the hassle and worry during a stressful time. Also, if your circumstances change they are on hand to review your cover to make sure it’s still right for you.
Get the right advice
At HealthCarePlus, we have access to a nationwide team of Monument financial advisers who can provide you with personalised advice on Health Insurance. Monument has been our appointed business partner since the early 1990’s to provide financial advice to our members on life and health insurance products (HealthCarePlus is not legally able to provide financial advice).
They are the experts and can talk specifically about your individual health needs and can give you an honest view as to whether Health Insurance is right for you. Plus they have access to all the main New Zealand Health Insurance Providers so can explain which of their many health plans are best suited to your needs.
So to speak directly to your local Monument adviser, please click the button below to book a free, no obligation chat with them.
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