Thorners August Newsletter
Click on the link to see if your protection plan is complete August 2010 newsletter
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Thorners April 2010 Newsletter
Click on the link below to download our latest newsletter which features KiwiSaver.
Kiwisaver turns three very soon and has a huge following.
Click here to see why in the april newsletter
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Click here to email Thorners or Call Us on (04) 528 8088
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
Client – 55-65 year old KiwiSaver Scenario
Client – 55-65 year old scenario
Jerry joined up with KiwiSaver last year. He’s 61 and while he’s already got plans in place for his retirement, Denis spoke to him about making the most out of KiwiSaver so he joined up.
What do you like about KiwiSaver Jerry? It’s a no brainer for someone my age – I join, put in my $20 a week and the government matches it! By the time I retire I’ve worked out that I could have at least $11,000. That’s going to be my holiday to Europe!
Discuss your Kiwisaver options with Thorners.
Click here to email Thorners or Call Us on (04) 528 8088
Click here to view our disclosure statement.
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
Thorners Newsletter March 2010
In the current economic environment, the cost of day to day living continues to increase and we all need to regularly review our financial options.
Life Insurance Premiums:
Everybody dislikes paying premiums and the Life Insurance Tax Bill, which was passed by Parliament last year, is going to have an effect on the majority of NZ households who hold life policies.
In short there are proposed tax changes which will affect how life companies are taxed on their insurance products. Effective from 1 July 2010 all new life policies sold will be subject to these tax changes. Some companies have already started to increase premiums to make the change appear more seamless.
Existing “rate for age” or “annually reviewable” policies which are the most common products sold in the market will almost certainly have the increase applied and it is currently unclear on whether this will be applied immediately or grandfathered in over a period of five years so you need to keep abreast of the changes.
Competitions
Sovereign had a great pre Christmas holiday competition for all their clients and I am delighted to say that a Thorners client took away the prize which consisted of an $8,000 holiday plus $2,000 spending money. The client plans to take their children on a Surfer’s getaway adventure and to then have an adult only Irish experience. Thank you to all of you who entered and congratulations to our winner.
I am available to discuss your insurance and investment needs in what is a difficult time for many of us at the moment so feel free to contact me if you have any questions. My personal email is denis@thorner.co.nz or phone 04 528 8088.
I look forward to hearing from you.
Kind regards
DENIS.
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
2009 Sovereign Dream Holiday Prize Draw Winner
Leighton Langley, General Manager Sovnet of Sovereign in Auckland is pictured with Denis Thorner, Managing Director Thorner Financial Services and Denis’s delighted client Venessa seen here receiving her 2009 Sovereign Dream Holiday Prize which consisted of an $8,000 travel voucher and $2,000 spending money.
Contact Denis for all of your Insurance requirements – www.thorner.co.nz or denis@thorner.co.nz
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
What happens if you fail to disclose information to an insurer?
Currently the NZ law does not make a distinction between deliberate or innocent non disclosure. Effectively if you just left information out of an insurance application unintentionally or by accident, the insurer can still decline your claim, avoid your policy or make changes to your policy.
Contact Thorners if you need insurance advice and we will work with you to ensure that you understand the proposal form and disclose the relevent information.
Thorners service clients New zealand wide and are an award winning insurance agency offering personalised service.
Click here to email Thorners or Call Us on (04) 528 8088
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
Mayoral congratulations to Thorners for recent business award
Mayor of Upper Hutt Wayne Guppy has written to Denis Thorner to express his congratulations on winning the recent Upper Hutt Business Excellence Award for Best Trade/Service Business 2009.
Wayne commented this is indeed a magnificent achievment and I am sure that you are all very proud of your achievment. He also wished to thank Thorners for their support and commitment to the citizens of Upper Hutt.
To experience service excellence, contact Thorners for all of your insurance, home loan and KiwiSaver requirements today. Thorners service clients New Zealand wide and offer home appointments from Wellington through to Napier by arrangement.
Click here to email Thorners or Call Us on (04) 528 8088
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
Denis Thorner has MDRT Life Qualifying Membership
The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is an international, independent association of more than 31,000 members, or less than 1%, of the worlds life insurance and financial services professionals in more than 84 nations and territories.
MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognised internationally as the standard of sales excellence in the life insurance and financial services business.
Denis Thorner of Thorner Financial Services Ltd is proud to be a Life Qualifying member of MDRT.
Call Denis if you require any insurance cover. Denis services clients New Zealand wide and welcomes your call.
Click here to email Thorners or Call Us on (04) 528 8088
Click here to view our disclosure statement.
Click here to view our disclosure statement.
Click here to email Thorners or Call Us on (04) 528 8088
