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	<title>Thorners &#187; Life Insurance</title>
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		<title>January 2012 Newsletter</title>
		<link>http://www.thorner.co.nz/2012/01/24/january-2012-newsletter/</link>
		<comments>http://www.thorner.co.nz/2012/01/24/january-2012-newsletter/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 01:53:04 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Ansvar insurance]]></category>
		<category><![CDATA[Hawkes Bay Life Insurance]]></category>
		<category><![CDATA[Insurance Transfer]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Tower]]></category>
		<category><![CDATA[Tower Insurance]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1515</guid>
		<description><![CDATA[Client below to read our first newsletter for 2012!!  January 2012 newsletter Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Client below to read our first newsletter for 2012!! </p>
<p><a href="http://www.thorner.co.nz/wp-content/uploads/2012/01/January-2012-newsletter1.pdf">January 2012 newsletter</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<title>New product range now available for business owners!</title>
		<link>http://www.thorner.co.nz/2011/09/21/new-product-range-now-available-for-business-owners/</link>
		<comments>http://www.thorner.co.nz/2011/09/21/new-product-range-now-available-for-business-owners/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 22:40:12 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[business insurance]]></category>
		<category><![CDATA[income protection]]></category>
		<category><![CDATA[new business insurance]]></category>
		<category><![CDATA[new company insurance]]></category>
		<category><![CDATA[new insurance product range]]></category>
		<category><![CDATA[start-up income protection]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1481</guid>
		<description><![CDATA[We now have a new product range now available for Business owners.  Whether they be families, farmers, entrepreneurs, or established business people. With this product release,  Sovereign now offers a complete range of products that are both reliable and simple for us and our clients &#8211; thats you! NEW Business Continuity – Designed to cover [...]]]></description>
			<content:encoded><![CDATA[<p>We now have a new product range now available for Business owners.  Whether they be families, farmers, entrepreneurs, or established business people. With this product release,  Sovereign now offers a complete range of products that are both reliable and simple for us and our clients &#8211; thats you!</p>
<p><strong>NEW Business Continuity </strong>– Designed to cover business owners and their key people, this benefit offers up to $50,000 cover per month. At claim time, not only will clients have their claim paid in advance with no ACC offsets, but they will also have free access to Business Mentors – New Zealand’s leading business mentoring service. In addition, your clients also have the option of taking an Employee Upgrade which gives their employees access to Best Doctors® – a unique network of over 50,000 of the world’s leading medical professionals.</p>
<p>If you are interested in talking to Denis regarding this new product range, please email <a href="mailto:denis@thorner.co.nz">denis@thorner.co.nz</a> or phone him on 04 5288 088 anytime.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Chance to win a share of $15,000 to live the life you want&#8230;..</title>
		<link>http://www.thorner.co.nz/2011/09/01/chance-to-win-a-share-of-15000-to-live-the-life-you-want/</link>
		<comments>http://www.thorner.co.nz/2011/09/01/chance-to-win-a-share-of-15000-to-live-the-life-you-want/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 04:43:29 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[apply online life insurance]]></category>
		<category><![CDATA[Hastings insurance broker]]></category>
		<category><![CDATA[hawkes bay insurance broker]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[sovereign life insurance]]></category>
		<category><![CDATA[Sovereign's Life's Choice competition]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1477</guid>
		<description><![CDATA[Play the Sovereign Life&#8217;s Choice Game and be in to win a share of $15,000 to live the life you want. Visit Sovereign&#8217;s website www.sovereign.co.nz/chooselife/#/start to enter the competition and be in to win! If you are not currently a Sovereign client, contact us for Life Insurance quotes and to arrange an application now!  Sovereign also offer [...]]]></description>
			<content:encoded><![CDATA[<p>Play the Sovereign Life&#8217;s Choice Game and be in to win a share of $15,000 to live the life you want.</p>
<p>Visit Sovereign&#8217;s website <a href="https://www.sovereign.co.nz/chooselife/#/start">www.sovereign.co.nz/chooselife/#/start</a> to enter the competition and be in to win!</p>
<p>If you are not currently a Sovereign client, contact us for Life Insurance quotes and to arrange an application now!  Sovereign also offer very competitive home loan options that have no transactional fees.  If you are contemplating a new purchase or have a fixed rate rollover coming up, speak to us now about your options.</p>
<p>We are award winning insurance brokers who service clients nationwide, so if you desire service excellence, contact us for a full insurance review soon.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<item>
		<title>Fuel prices rising again despite high NZ dollar, but Christchurch again spared from the hike.</title>
		<link>http://www.thorner.co.nz/2011/06/14/fuel-prices-rising-again-despite-high-nz-dollar-but-christchurch-again-spared-from-the-hike/</link>
		<comments>http://www.thorner.co.nz/2011/06/14/fuel-prices-rising-again-despite-high-nz-dollar-but-christchurch-again-spared-from-the-hike/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 01:45:11 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Fire and General Insurance]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Christchurch]]></category>
		<category><![CDATA[Christchurch Earthquake]]></category>
		<category><![CDATA[NZ Dollar]]></category>
		<category><![CDATA[Petrol Prices]]></category>
		<category><![CDATA[Price Increase]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1368</guid>
		<description><![CDATA[Read the latest stuff.co.nz news article on Petrol Price rise. Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Read the latest stuff.co.nz news article on <a title="Petrol Price Rise" href="http://www.stuff.co.nz/business/money/5144917/Petrol-goes-up-except-in-Christchurch" target="_blank">Petrol Price </a>rise.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Recently become a non-smoker??</title>
		<link>http://www.thorner.co.nz/2011/02/03/recently-become-a-non-smoker/</link>
		<comments>http://www.thorner.co.nz/2011/02/03/recently-become-a-non-smoker/#comments</comments>
		<pubDate>Fri, 04 Feb 2011 00:45:52 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Cutting costs]]></category>
		<category><![CDATA[Giving up smoking]]></category>
		<category><![CDATA[Grey Power news]]></category>
		<category><![CDATA[nicorette]]></category>
		<category><![CDATA[Premiums too high]]></category>
		<category><![CDATA[sovereign health insurance]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1220</guid>
		<description><![CDATA[Did you know that if you have not smoked in the last 12 months your life insurer will re-rate your premiums on non-smoking rates, potentially saving you up to 50% in premiums (*). Call us today for a re-quote, let us show you the premium difference. (*) special conditions may apply Click here to view our disclosure [...]]]></description>
			<content:encoded><![CDATA[<p>Did you know that if you have not smoked in the last 12 months your life insurer will re-rate your premiums on non-smoking rates, potentially saving you up to 50% in premiums (*).</p>
<p>Call us today for a re-quote, let us show you the premium difference.</p>
<p><em>(*) special conditions may apply</em></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Thorners December 2010 Newsletter</title>
		<link>http://www.thorner.co.nz/2011/02/02/thorners-december-newsletter/</link>
		<comments>http://www.thorner.co.nz/2011/02/02/thorners-december-newsletter/#comments</comments>
		<pubDate>Thu, 03 Feb 2011 02:00:08 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[KiwiSaver]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[funding retirement]]></category>
		<category><![CDATA[hawkes bay insurance broker]]></category>
		<category><![CDATA[KiwiSaver changes]]></category>
		<category><![CDATA[KiwiSaver membership]]></category>
		<category><![CDATA[sovereign life insurance]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1209</guid>
		<description><![CDATA[Did you know that you can insure your KiwiSaver contributions so that if you fall ill and are unable to work, then they can continue? Thorners December 2010 newsletter www.thorner.co.nz Click here to view our disclosure statement.Click here to email Thorners or Call Us on (04) 528 8088&#160;]]></description>
			<content:encoded><![CDATA[<p>Did you know that you can insure your KiwiSaver contributions so that if you fall ill and are unable to work, then they can continue?</p>
<p><a href="http://www.thorner.co.nz/wp-content/uploads/2011/02/Dec-2010-newsletter1.pdf">Thorners December 2010 newsletter</a></p>
<p><a href="http://www.thorner.co.nz">www.thorner.co.nz</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Thorners January 2011 Newsletter</title>
		<link>http://www.thorner.co.nz/2011/01/24/thorners-january-2011-newsletter/</link>
		<comments>http://www.thorner.co.nz/2011/01/24/thorners-january-2011-newsletter/#comments</comments>
		<pubDate>Tue, 25 Jan 2011 01:18:24 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Debt consolidation]]></category>
		<category><![CDATA[Home Loan refinance]]></category>
		<category><![CDATA[Savings plan]]></category>
		<category><![CDATA[Sentinel Home Equity Release]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1193</guid>
		<description><![CDATA[Click to see Thorners latest  Jan 2011 newsletter on how to financially assist any  parents or senior family members who may own their own home but are struggling with finances , how to consolidate your finances into your home loan and to start a savings plan for next chritmas.  Let us know if we can assist you [...]]]></description>
			<content:encoded><![CDATA[<p>Click to see Thorners latest  <a href="http://www.thorner.co.nz/wp-content/uploads/2011/01/Jan-2011-newsletter.pdf">Jan 2011 newsletter</a> on how to financially assist any  parents or senior family members who may own their own home but are struggling with finances , how to consolidate your finances into your home loan and to start a savings plan for next chritmas. </p>
<p>Let us know if we can assist you further.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sovereign Best Doctors</title>
		<link>http://www.thorner.co.nz/2010/11/07/sovereign-best-doctors-2/</link>
		<comments>http://www.thorner.co.nz/2010/11/07/sovereign-best-doctors-2/#comments</comments>
		<pubDate>Sun, 07 Nov 2010 22:33:54 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Living Assurance]]></category>
		<category><![CDATA[Medical Insurance]]></category>
		<category><![CDATA[OnePath Living Assurance]]></category>
		<category><![CDATA[senior net news]]></category>
		<category><![CDATA[sovereign health insurance]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1156</guid>
		<description><![CDATA[Did you know that Sovereign payout over $700,000 per month in Specialist and Test claims alone. Sovereign have made policy changes and you can now have Specialist and Test cover linked to your life policy. Follow the link to see why people are claiming and which conditions have the highest claims ratio &#8211; you may [...]]]></description>
			<content:encoded><![CDATA[<p>Did you know that Sovereign payout over $700,000 per month in Specialist and Test claims alone.</p>
<p>Sovereign have made policy changes and you can now have Specialist and Test cover linked to your life policy. Follow the link to see why people are claiming and which conditions have the highest claims ratio &#8211; you may be surprised!</p>
<p><a href="http://www.thorner.co.nz/wp-content/uploads/2010/11/Specialist-and-Diagnostic-Testing-Fact-Sheet.pdf">Specialist and Diagnostic Testing Fact Sheet</a></p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Making a life insurance claim</title>
		<link>http://www.thorner.co.nz/2010/11/07/making-a-life-insurance-claim/</link>
		<comments>http://www.thorner.co.nz/2010/11/07/making-a-life-insurance-claim/#comments</comments>
		<pubDate>Sun, 07 Nov 2010 22:21:48 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Life Insurance claims]]></category>
		<category><![CDATA[Medical Insurance]]></category>
		<category><![CDATA[senior net news]]></category>
		<category><![CDATA[Sovereign Best Doctors]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1152</guid>
		<description><![CDATA[Many people put off making a claim until the inevitable happens but always remember the sooner the insurer knows your circumstances, the sooner they can assist you. Check this link to see how Sovereign handle claims Sovereign Guide to Making a Claim Contact Thorners for all of your insurance requirements. Click here to view our [...]]]></description>
			<content:encoded><![CDATA[<p>Many people put off making a claim until the inevitable happens but always remember the sooner the insurer knows your circumstances, the sooner they can assist you.</p>
<p>Check this link to see how Sovereign handle claims <a href="http://www.thorner.co.nz/wp-content/uploads/2010/11/Sovereign-Guide-to-Making-a-Claim.pdf">Sovereign Guide to Making a Claim</a></p>
<p>Contact Thorners for all of your insurance requirements.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Sovereign Best Doctors</title>
		<link>http://www.thorner.co.nz/2010/11/01/sovereign-best-doctors/</link>
		<comments>http://www.thorner.co.nz/2010/11/01/sovereign-best-doctors/#comments</comments>
		<pubDate>Mon, 01 Nov 2010 22:44:39 +0000</pubDate>
		<dc:creator>Thorners</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Grey Power news]]></category>
		<category><![CDATA[Is the diagnosis correct]]></category>
		<category><![CDATA[Living Assurance]]></category>
		<category><![CDATA[Medical diagnosis]]></category>
		<category><![CDATA[OnePath Living Assurance]]></category>
		<category><![CDATA[Sovereign Best Doctors]]></category>
		<category><![CDATA[Sovereign Medical Insurance]]></category>
		<category><![CDATA[Trauma Insurance]]></category>

		<guid isPermaLink="false">http://www.thorner.co.nz/?p=1131</guid>
		<description><![CDATA[Been diagnosed by your doctor with something you are not so sure of? Ever felt you need a second opinion? Not happy with the proposed medical treatment plan? With Sovereign Best Doctors, you are able to get a second diagnosis from world leaders in the health industry.  This exciting new development is available to Sovereign&#8217;s [...]]]></description>
			<content:encoded><![CDATA[<p>Been diagnosed by your doctor with something you are not so sure of? Ever felt you need a second opinion? Not happy with the proposed medical treatment plan?</p>
<p>With Sovereign Best Doctors, you are able to get a second diagnosis from world leaders in the health industry.  This exciting new development is available to Sovereign&#8217;s Living Assurance clients who opt for this additional benefit..</p>
<p>This link takes you to the fact sheet and we welcome your enquiry for a quote to take up this new development. <a href="http://www.thorner.co.nz/wp-content/uploads/2010/11/Best-doctors.pdf">Best doctors</a></p>
<p>Contact us soon for a quote to join.</p>
<p><span style="font-family: Arial, Tahoma, Verdana; line-height: normal; font-size: 12px; border-collapse: collapse; color: #202020;"> </span></p><p><strong><a href="/wp-content/uploads/Denis Thorner Disclosure Statement.pdf">Click here to view our disclosure statement.</a></strong></p><p><strong><a href="mailto:info@thorner.co.nz?subject=Website%20Enquiry">Click here to email Thorners or Call Us on (04) 528 8088</a></strong></p><p>&nbsp;</p>]]></content:encoded>
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