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Features Income Cover Life Cover Mortgage Trauma Cover

Did your bank ‘sell’ you insurance in the past?

Time to check what’s available from the competitive market. You may find more suitable, comprehensive cover for similar or better value.

We can talk to you about level premiums which means they won’t change for the life of the policy. It makes the cost a bit more now but, literally, could save you many thousands of $$’s over the course of the policy. More importantly, it means you will still have the cover in place when you need to claim instead of having cancelled the policy when it gets too expensive in years to come.

We can complete the whole process online wherever you are in NZ. We use a virtual, online private meeting room with all the documents there for you to complete and sign on your iPad or other tablet/pc. Parts of the meeting are recorded and stored which gives you and us a clear record of what was discussed and agreed. It’s so easy and straightforward.

Call on 09 377 0797 or email nigel@talkmoney.co.nz

Categories
Features Income Cover Mortgage

Sports injuries hurt your finances too!

Do you play sports? Do you go road or mountain biking? Do you run or use the gym? Ever fractured a bone? Or seen someone else do it?

How about an income benefit payout EVEN if you can still work?

But what if you can’t work?

For how many weeks could you keep paying your rent or mortgage? You don’t want to get behind with these payments, not in the current economic climate.

After just 4 weeks of a loss in income, 55% of NZ households will be unable to cover their expenses.

How about a plan that will cover your mortgage or rent payments plus an EXTRA 15%?

Or will pay a monthly benefit up to 45% of your income?

How about if the first $5000 of that monthly benefit is not reduced by any other income replacement sources, including ACC. So YOU GET BOTH!

And what about keeping the same agreed monthly benefit even if your circumstances change, say you stop working or pay off the mortgage? You still get to keep the level of cover!

And you can increase cover (within certain limits) without additional underwriting.

And if you are made REDUNDANT while your cover is in force, the same policy pays a monthly benefit for up to 6 months.

There are many more benefits to this plan from the world’s second largest insurer.

This cover is so affordable so when bad things happen, make sure losing your home isn’t one of them.

A full income replacement plan can be unaffordable, this is an inexpensive plan to guarantee your mortgage or rent payments in case an illness or injury stops you working.

We are partnered with NZ’s biggest and best life companies so that we can ensure your peace of mind whatever the circumstances.

Call, email or message Nigel on 027 940 0142, nigel@talkmoney.co.nz

Categories
Income Cover Life Cover Trauma Cover

How to save $$$ thousands on your life, trauma and income cover

The average age people CANCEL their trauma insurance is 47.The average age people CLAIM on their trauma insurance is 51.

Cancelled. Just when it’s needed.The reason? Every year you get older your monthly premium goes up until it becomes  unaffordable.

I can show you how to save $$ thousands or hundred’s of $$ thousands on your life, trauma or income cover and beat this problem.

Contact me now if you:

  • currently have a policy that increases every year
  • need long term cover for mortgage or other debts
  • are a young couple or family (you will be amazed at the savings)
  • have children or grandchildren and want to give them a gift for life

Call me on 09 377 0797 or email nigel@talkmoney.co.nz