Choosing the best of the best for you
Answering your insurance questions
At Plus4 we are passionate about serving our clients and making sure they have the money they need when they need it. We pride ourselves on providing support and making the rocky times a little smoother when life hits hard.
5 things to think about when writing your will
While everyone knows it is important to have a will, it can be hard to know where to start. Having an up-to-date will makes everything easier for your loved ones and means your assets and taonga are distributed as you
Understanding intentional and unintentional disclosure
Every industry has its jargon, and insurance isn’t any different! One of the key terms to know and understand in our industry is disclosure. What is it, how does it work, and what happens if you make a mistake? What
Keeping your insurance cover in financially unsettled times
Many New Zealanders are suddenly finding themselves worried about their finances and in these uncertain times cutting costs can make a lot of sense. While it is not a good time to cancel insurance, there are some things you can
What happens to debt when you die?
When you take on a mortgage, use your credit card or get a new vehicle on finance, you know it is important that you can make the required payments and keep on top of your debt. However, people don’t tend
Keeping you and your family safe over summer
When summer kicks off in New Zealand, so does the DIY and outdoor life that is an ingrained part of Kiwi culture. Having the right levels of health insurance, income insurance and life insurance is an important part of caring
Seven years after cancer, insurance review leads to pay out
A savvy advisor with a sharp eye resulted in an unexpected windfall for a Dunedin family. Fiona Keenan inherited Holly and James* as clients when an advisor retired. In their initial meeting they mentioned that James had a gene that
What insurance do I need to get when I buy a home?
When you buy a home and get a mortgage there is a lot to learn and take in. Your bank or mortgage adviser will want to talk to you about getting insurance, but it can be hard to know what
Savvy insurance choice saves business
As an active, fit and healthy man is his 50s, James* didn’t expect a major health scare, so when he got a small cut on his finger, he didn’t think much of it. The cut didn’t heal as expected, and
Smooth out premium payments with a level term policy
With the low interest rates currently available, you may find yourself with a little something extra in your budget. To get the most out of it, this could be the perfect time to consider getting a level term cover policy
Let’s get uncomfortable
The ‘she’ll be right’ attitude is an interesting quirk of New Zealand’s culture, and is rightly celebrated. Just getting on with it, not getting too worked up, and believing everything will work itself out are great traits, but like all
Meeting an adviser? How to get the most out of your meeting
When you work with an adviser to get the right insurance in place, we want it to be as easy and accessible as possible. This might mean we come to your place after hours, or that you come to our
When life changes, make sure your insurance does too!
Change is the only constant in life, and as we move through life events and milestones we adjust and keep moving forward. But have you given any thought as to how changes in your life impact your insurance covers, and
What should you do when income protection premiums rise?
With the nature of insurance underwriting and risk trends, as you get older your insurance premiums will rise. This is as true for income protection as any other type of insurance, but has the added complication of the cover automatically
Is insurance only for those in paid work?
Does someone not earning an income need personal insurance cover? We believe they do. Your ability to earn an income is your greatest asset, and as such should be well insured. However, in certain of periods of life there may
How to get your insurance claim paid
At a conference in February Nadine Tereora, the CEO of Fidelity Life, stated that their claims rating was 99.8%. All the insurance providers Plus4 work with have claims ratings of over 95%, which illustrates very clearly that insurance providers are
Is the insurance industry bad news? Plus4 responds
It has been an interesting week for the insurance industry with the release of the Life Insurer Conduct and Culture report by the Financial Markets Authority New Zealand and the Reserve Bank of New Zealand. The report feeds back to
Do children need health insurance?
With GP visits free to children under 14 years old, getting medical cover for your healthy, active children may seem unnecessary. We think it is worth considering, and there are a number of reasons why. In our previous blog on
Do you need health insurance?
“Do something today that your future self will thank you for.” Whether or not you are a fan of bite-sized wisdom, this is a great point from which to discuss health insurance. In New Zealand we are lucky to have
Why you need trauma cover
Trauma protection is an important part of your insurance coverage, but we often find it is poorly understood by clients. Trauma protection is a personal cover providing a lump sum payment in the event of a diagnosis of certain illnesses
Who owns your policy?
Getting life insurance in place involves a lot of decision making, and choices around the ownership structure of your insurance policies are as important as any other. Keeping the ownership up to date as your life changes is equally vital.
What is ACC Cover Plus? And ACC Cover Plus Extra?
In New Zealand we are lucky to have ACC, which provides us all with no-fault comprehensive injury cover no matter where you are when you are injured. ACC covers most physical injuries if they are caused by an accident, a
How special events increases protect your future insurability
We all know the only constant is change. However, come claim time you need to be reassured that your cover will be sufficient for your current circumstances. It isn’t practical to set up your original cover for future events –
Trauma Cover – the best safety net
When we meet with clients we work to help them understand scenarios where they would use the different insurance covers. When everything is going well it can be hard to imagine life any other way. We spoke to a Plus4
Have you thought about the future when insuring your business?
When you set up your business insurance, the focus can be on the here and now – how many employees you have and their level of skill, the business income, level of debt and so on. However, thinking about the
Getting the most from your income protection
Income protection insurance is one of the most important insurance covers you can have. As we have said before, your ability to earn an income is your greatest asset. Many income protection policies also come with add-ons. These vary between
How well does your medical insurance cover cancer?
Cancer is a scary diagnosis and it is important to have an accurate understanding of the role health insurance can play in access to different treatments. The cost of cancer treatment can be high, and not all the medications that
Do children need insurance?
When putting insurance policies in place, the first point of reference is always the breadwinner. However, it is so important to realise that none of us stand in isolation and that something happening to any member of your family is
How to make an insurance claim
Once insurance cover is in place it is something we rarely think about – until it is time to make a claim. The circumstances around making a claim are likely to be stressful, to make the process as smooth as
What is Total and Permanent Disability cover and how does it work?
Total and Permanent Disability (TPD) Cover is an easy one to explain, because it offers you just that – insurance cover should you become totally and permanently disabled. There is some nuance to how it works, so let’s take a
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Our Clients Agree
Here are a few reviews from some of our existing clients around New Zealand
by Melissa van Gosliga.
We have used Plus4 for many years and we have complete faith in their ability to help tailor a package to suit us. The process is very efficient and in our best interests, we have had reason to use our insurance this year and they both were brilliant helping facilitate our insurance to action. We would never consider using anyone else and will continue to recommend Plus4's services. We highly recommend Plus4
by Steve Christie.
We obviously get insurance for when things go wrong. Alan and the team at Plus4 are on your side when things go wrong with the insurance. It is like having an insurance policy for your insurance thrown in for free. I highly recommend their service and commitment.
by Lynda Moore.
I now have peace of mind regarding my insurances which I didn't have before meeting the team at Plus4 Insurance Solutions. Another broker (from another firm) had made recommendations that didn't sit comfortably with me. Plus4 went above and beyond to address my concerns, researched my situation and spoke directly to the insurance company on my behalf to get clarity and I am confident we have the right solution in place. I was kept up to date at every stage of the review and implementation, the lines of communication were open all the time and there was never any confusion about what bits of paper to sign or what it all meant
by Lauchie Griffin.
The Plus4 team did a comprehensive review of our insurance covers. As a result, we restructured our insurances and achieved very significant savings on our annual insurance premiums, without compromising the standard & levels of covers. In addition to that, Plus4 has conducted annual subsequent reviews with us, and provided us with objective strategic advice & guidance (both in the context of our personal & business affairs).
by Prue Kerr
We have been working with Plus4 Insurance for over two years now. We feel very comfortable with the advise they have given us and equally comfortable making the changes that they recommended. Trying to ensure that you have the correct cover can be hit and miss, which is the reason that we decided to go directly to a company that had been recommended to us. The whole team at Plus4 has been great to work with.
by Hunter Robb
We really appreciate the professional, prompt and friendly service from the team at Plus4. They took the time to understand our business and family circumstances and always presented options to us in a clear and concise manner with the reasoning behind any recommendations. We would recommend Plus4 services without hesitation.
by Christine Gabrielle
The best service you could imagine-personal, caring, professional, available and without fault. I'm so lucky to have had Plus4 Insurance as my advisors and I fully trust and have faith in their commitment to their clients. I couldn't recommend them highly enough.The help was full-on, immediate, supportive and a blessing and relief. Thank you Plus4 team!!
by Craig Coyle.
I am very happy that Plus4 Insurance was recommended to me to review my insurance. I found them very informative and helpful.They came to our house and was above and beyond what I would expect from an insurance broker. I have since signed on to an insurance plan tailored to my needs in which I have better cover than before and for lower premiums. Thanks again Plus4 Insurance.
by Mark and Vicki O’Neill.
Using Fiona and Plus4 for our insurance needs has been a great experience. Her advice and service has made the whole process very easy. Fiona has a very professional manner and we have and will continue to recommend her and her services to other people.
To contact your nearest adviser today, Free phone 0800 001 921or email hq@plus4.co.nz