Choosing the best of the best for you
The insurance world keeps changing
The insurance world keeps changing. Many insurance companies are continually making changes to their policies. Lately, Southern Cross have been amending their health policies. Now, many of the popular covers offered through them have unlimited limits for medical procedures. No
Should you get health cover for your children?
With GP visits free to children under 13, getting medical cover for your healthy, active children may seem unnecessary. There are a number of reasons we think it is worth considering. In our previous blog on health insurance (you can
Why you should be careful who you buy life insurance from!
Why you should be careful who you buy life insurance from! Yes, I am about to put it out there, not all life insurance is the same. For example, if you have ANZ Life and Living Insurance cover you will
Trauma Protection – why do you need it?
Trauma protection can be a misunderstood member of the personal cover family and we would like to provide some clarity. Trauma protection is a personal cover providing a lump sum payment in the event of a diagnosis of certain illnesses
Funerals
I have been to a lot of funerals over the last two months. It might be something in my line of work or perhaps just one of those stages in life I’m going through. So I thought I would share
What is ACC Cover Plus? And ACC Cover Plus Extra?
In our previous blog we covered what ACC is and what it does and doesn’t cover. However once you move into the self-employed space things can get a little trickier and that is where ACC Cover Plus and ACC Cover
What does ACC cover? And more importantly, what doesn’t it…
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. However many people have a limited understanding of what exactly is and isn’t
Life keeps changing – when should you update your personal insurance policies?
A New Year often brings with it a fresh start – especially with our long summer holiday coming over the holiday period. With peak wedding season in January, February and March, peak baby boom happening in September and October and
Why should I use an insurance adviser?
It is a good question – what value is there to you to use an adviser instead of doing your own research online, going with that one with the funny adverts on the radio or taking that offer from your
Level it out all the time
If you even have a very vague idea that you will need life cover past the age of 45, you need to have your premiums on a level basis. Why … so you don’t cancel the covers when you may
Cancer screening and treatment – how well does your medical insurance cover you?
The New Zealand Herald recently ran a five part series, “Cancer – the cost of a life”, investigating controversies in cancer testing and treatment. Cancer is a scary diagnosis and it is important to have an accurate understanding of the
Insurance Companies Do Pay Claims
The statistics for Fidelity Life claims are out as a flyer that brokers can use to see where and what claims were paid in 2014. From 2012 to 2014 they paid a total of $96.5 million in death and terminal
I need to make an insurance claim – now what?
So you’ve chosen your insurance cover, filled out the forms, you pay your premiums and then really, you don’t think much about your insurance at all. Until you need it. Do you know what to do if you need to
Personal Insurance: Which type of cover do you really need?
When it comes to personal insurance, deciding which cover to get can be overwhelming. Life insurance, income protection, trauma cover… Each sounds like a good idea, but sometimes budget dictates that you just can’t have them all right now. So
Your most valuable asset? It may not be what you think…
Ask people what their most valuable asset is and they will likely tell you it is their home. And should you probe further you will find they probably have their home well insured. Great! Chances are they will have life
Do you really need health insurance in New Zealand? We think so.
“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
Buying insurance from the bank? 3 things to watch out for.
How long have you been with your current bank? Whether it’s been since you were a nipper or later in life, chances are you’re a long-standing customer. So, when it comes to buying life insurance, trauma cover or mortgage protection,
Tempted to self-diagnose? The risks of buying insurance online.
Here’s an interesting fact: In the current ‘internet age’, every smartphone user has more information at their fingertips than the entire global population had just one generation ago.
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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