Sovereign Best Doctors
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 – you may be surprised!
Specialist and Diagnostic Testing Fact Sheet
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Sovereign Best Doctors
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’s Living Assurance clients who opt for this additional benefit..
This link takes you to the fact sheet and we welcome your enquiry for a quote to take up this new development. Best doctors
Contact us soon for a quote to join.
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Click here to email Thorners or Call Us on (04) 528 8088
Real Life New Zealander’s Life Insurance Claim stories
Ever wonder why you pay Life Insurance and wonder what is covers?
Ever wonder if anybody ever gets paid out on a claim?
Follow this link to see real life New Zealander’s and their personal life claim stories.
https://www.sovereign.co.nz/real-life-insurance/
Let me know if you need to review your life cover – Denis@thorner.co.nz 0274 575190
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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
Is it fair that insurers exclude pre-existing medical conditions?
We are often asked why insurers exclude pre-existing conditions.
Unless a policy offers cover for pre-existing conditions, the insurer isn’t obliged to cover any of them.
Companies generally exclude associated treatment for pre-existing conditions as they pose a higher risk and greater likelihood of a claim.
For sound advice on any new Life insurance policy, contact Thorners. We service clients New Zealand wide and have a sound knowledge of the best options available.
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
Could you financially survive a medical trauma?
Could you financially survive a medical trauma?
· Could you require funds to replace or supplement income if you were seriously ill?
· Could you require funds to cover replacement staff?
· Could you require funds to meet HP’s and the ongoing mortgage payments?
· Could you require funds to make alterations to the house or to change vehicles?
· Could you require funds to retrain for new employment?
· Could you require funds to assist with household chores that may no longer be possible?
· Could you require funds to pay for a dialysis machine at home?
These are a few of the reasons to have funds available to help give you ongoing quality of life and some financial resilience to the pressures you may incur in your time of need.
Every year about 7,000 people in NZ have strokes and whilst many survive, they often have an impaired level of conciousness and mobility. Thats nearly 20 people per day so the odds are not great and thats only one medical condition.
We need to talk if you don’t have a large nest egg available to meet unexpected expenses if you were to suffer a medical trauma.
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
Easing The Squeeze – 3 Key Review Areas
The current financial climate is proving to be a difficult time for many of us at the moment and I am finding that many of my clients are trying to get through by juggling their finances but they are still not making headway.
I am here to help you and my valued clients and I have taken the opportunity to note three key areas where I can offer assistance to review your circumstances.
Many of us have mortgages on a variety of interest rate options. You may be unaware but a considerable portion of my business involves home loans. I am able to assist with new purchases, top ups to clear existing high interest rate HP’s and credit cards, refinancing existing home loans and advising on fixed interest rate rollovers.
I can currently obtain 12 month fixed rate lending at *5.80% p.a. and a floating rate of *6.80% p.a. with no application fee for refinances, no ongoing re-fixing fees for fixed rate lending and no bank transactional fees. Rates continue to move and we can expect further movement in the next few days. You should contact me before making any home lending decisions.
Call me to discuss your home loan options – you may be surprised how simple the process to change provider can be and the amount of the savings to be made from some subtle restructuring.
We all want to provide cash for our loved ones by having a combination of Life, Trauma, Medical and Disability Income insurance but balancing premiums against our budgets can be an ongoing battle.
In recent times, many insurers have reviewed their premium structures and I am able to offer some extremely competitive pricing especially for top up Life and Trauma Insurance. By reviewing your Medical insurance excess and the wait period on Disability Income cover, it may also be possible to extend the extent of your cover.
If you are looking for large long term Life insurance premium savings and the ability to retain policy affordability well into retirement, then you need to be on the “Level Premium” option for some of your Life cover.
Please allow me to quote and show you the difference levelling can make to your life premiums.
The membership of KiwiSaver continues to grow with over 900,000 current members. I believe in the benefits of KiwiSaver and feel only those Kiwi’s who do not understand it are not members.
From 1 April 2009 members will be able to contribute 2% of their income, down from 4%. This increases affordability and you should discuss your options with me either before joining or before altering your contribution rate.
I would also like to point out that the membership opportunities for children and the nearly retired under 65 year olds are tremendous. Where else can you get $1,000 for free and no need to contribute further if you are not working? Self employed workers not on a PAYE deduction basis for their tax also have the opportunity to contribute as little as $20 per week to get the Government’s match of up to $1,043 p.a..
Speak to me soon about the benefits of KiwiSaver for your personal family situation.
These are only three key areas where I may be able to help you to “Ease the Squeeze”. My website www.thorner.co.nz contains other information and I would recommend to you and your family to browse the information and informative blogs on the website
As an incentive to view the web site, I am offering a free scratchy to the first 50 people to complete the Lifestyle Check and to respond by answering the following question using the “click here to email us” line at the end of the Lifestyle questionnaire…
How many questions are there in the web based Thorners Lifestyle Check?
Any client having a new “Level” Term Life policy issued before 30 April 2009 is also in the draw for a carton of Whitehaven wine – there has never been a better time to talk to me!
As you can see – there is plenty of scope for optimism this year and I am here to help you, your family and your friends. Please refer anybody to me that may be suffering financial distress.
I look forward to hearing from you soon to discuss your options for 2009.
*Mortgage interest rates are subject to change and applications are subject to meeting lenders application criteria and subsequent approval
** All investments are subject to receiving a copy of my Investment Disclosure which is available free of charge from my website or office.
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
Case Study – Living Assurance
In July 2002 Mary was a 30 year old healthy librarian who had no need for extensive cover but was looking for peace of mind so she added $75,000 Living Assurance cover to her protection plan. Two years later during a routine blood test the presence of leukemia changed her world. She underwent treatment and the insurer paid her the $ 75,000 which has been used to make her life more comfortable.
Click here to learn more about Thorners Life Insurance Services 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
