Insurances

I am a business owner and wish to protect my revenue and personal assets

Business Protection - Control and Certainty

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I wish to protect myself and my family

Personal Protection - Secure your income

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I would like to reduce my ACC levies and use those savings to double my coverage

ACC Levy Restructure for Self-Employed

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Super-Advice was founded to ensure that in the event of death, critical illness or disability you have the ability to focus on your family first and not your finances. Ultimately this gives you, your family and your business control, certainty and comfort to the risks and outcomes. You will be secure in the knowledge that properly considered plans are in place.

0
people in New Zealand who had cancer recorded as the underlying cause of death in 2009<sup>1</sup>.
0
adults have been diagnosed with coronary heart disease<sup>2</sup>.
0
people on average, die on New Zealand roads every year<sup>3</sup>.

Although we hope that you will never need to make a claim on your life insurance, unfortunately you may have to. If a health event means you wish to make a claim, Super-Advice provides a no-cost, claim management service for the exclusive use of our clients. The primary objective of this service is to provide a level of comfort to our clients and to relieve the distress of dealing first hand with insurers.

We work with you to complete the necessary paperwork, collate the supporting documentary evidence and present your case in the best light to the insurer. This ensures a smooth claim and the best chance of an outcome in your favour.

As managing claims for our clients is our business, we are highly experienced in the processes involved and have a dedicated claims officer ready to assist. At Super-Advice, we can proudly declare that we have never had a legitimate claim declined for any of our clients. This is due to our expert advice to implement only highest quality policies, with leading providers.

The Statistics

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Females have a 25% chance of suffering a critical illness between ages 30 and 644.

0%

Males have a 40% chance of suffering a critical illness between ages 30 and 645.

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40% of people will be unable to work for six months or more because of sickness or an accident6.

0%

14% of adult males (aged 15–65) have a disability that has kept them off work for six months or more7.

References: 1 - Ministry of Health 2012, Cancer: New registration and deaths 2009 (latest available) 2 - Ministry of Health, Portrait of Health. Key Results of the 2006/07 New Zealand Health Survey, 2008 3Ministry of Transport - http://www.nzta.govt.nz/resources/road-deaths/toll.html4 - National Breast and Ovarian Cancer Centre (February 2006). Advice about familial aspects of breast and epithelial ovarian cancer: A guide for health professionals. Camperdown, NSW, National Breast and Ovarian Cancer Centre 5 - Ministry of Health/NZHIS (December 2009) 6 - Statistics New Zealand, Disability Report, 2006 7 - Statistics New Zealand, Disability Report, 2006

Nature and Scope of the advice

Super-Advice NZ Ltd provides advice to our clients about life and health.

  • For life insurance we work with Partners Life, AIA, Cigna, Asteron and Fidelity.
  • For health insurance we work with Partners Life, AIA, NIB, Southern Cross and Unimed.

Fees and Conflicts of Interest

Super-Advice NZ Ltd does not charge fees, expenses or any other amount for insurance advice provided to its clients where a commission will be paid. In instances where no commission is paid, Super-Advice will change a fee for service ranging from 5-15% of annual premium (minimum of $5,000+gst per annum).

For life and health insurance, Super-Advice NZ Ltd receive commissions from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Super-Advice NZ Ltd. The amount of the commission is based on the amount of the premium.

To ensure that our financial advisers prioritise our clients’ interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. A review of our compliance programme is undertaken annually.