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Frequently asked questions
I already have insurance in place. Do I need a review?
There are a variety of factors that can affect your financial strategy on an ongoing basis. Anything from a Marriage or separation, a new addition to the family, purchase of a new home or investment, starting a new job or business, or the increase or decrease of debt can have an impact on the type of cover and levels you may require.
Because this change is constant, it is natural to forget about the impact it can have on our long term financial plans. This is why a review of your cover can be beneficial.
Our advisers are also aware of ongoing changes in the industry. Insurance companies are constantly improving their products and ratings to compete in the market, which can result in changes in premiums, benefits and types of cover available.
Why not go to an insurance/mortgage provider directly?
A provider can only advise you on their own product. They aren't able to compare wordings, financial strength or cost with other providers in the market.
The cost of your cover does not change with using our services, and you gain the value of having an experienced financial adviser ensuring your cover levels are correct, supporting and assisting you with your claims, and negotiating terms with providers on your behalf.
You also don’t need to repeat your story every time to someone different, as you will have a dedicated Priority adviser looking after all your needs.
Won't the public health system pay for my medical bills?
There are over 90,000 people on the public waiting list, and another 60,000 people waiting to get on the waiting list!
If your surgery is life-threatening or very serious, then you will get emergency treatment. However for all other surgeries, there is a great chance you will end up on the waiting list for 8-10 months where your condition could worsen.
Health Insurance enables you choose when, where, how and by whom you get treated, without digging deep in your pockets to pay for private hospital costs.
Do I need Income Protection if I have ACC?
ACC only pays if you have an accident, and it is never an easy process or guaranteed outcome. A much higher percentage of claims are due to illness where there is no ACC benefit.
Income Protection protects your most valuable asset: your ability to earn an income. It guarantees a monthly payment if you are unable to work due to a sickness or injury.
Where can I find a copy of your Disclosure Statement?
Please contact us for a copy of our disclosure statement free of charge.