What happens if all of your information isn’t written on the application form?
It is really important when somebody else completes an insurance application for you that you check to see the answers are correct and that no information has been left out.
The insurer can avoid the policy and decline to consider the claim if all the information wasn’t written on the application form.
Even when your broker writes the answers on the application on your behalf, you are still expected to read all the answers and sign a statement declaring all the information is correct.
At Thorners we always provide you with a copy of everything completed during a Life Insurance interview to give you time to reconsider your answers.
Call Thorners if you are considering any form of insurance to get the best advice in New Zealand.
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
Life Insurance Premium Refund Option
An innovative Life Insurance product has entered the market where one policy option is to have a full premium refund after 10 years. Other options include the ability to continue with a certain level of cover, with the option to get a premium refund later, or you can extend cover to a set age without any further premium payments.
There are also the policy features of Terminal Illness benefit, a future insurability option and special event increase options.
Whether you are 16 or 69 years of age, this policy is well worth consideration.
Contact us for a brochure which we can also supply in Chinese if required.
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
