We don't want to sell you insurance

We suggest our clients review their insurance policies every year, and I’ve noticed that some of you are less than keen to take up this offer. When pressed the truth emerges: “I’m worried you’ll try and sell me insurance.”

Nothing could be further from the truth.

Let me explain. We like to check in every year or so to find out if anything has changed in your life. Perhaps you’ve paid off a big chunk of your mortgage? Then maybe you won’t need so much life cover.

If that’s the case, we won’t suggest more insurance. We will save you money by reducing your cover.

Why do we take this approach? Because as Mortgage and Insurance Advisers, we are regulated by the Financial Markets Authority (FMA). So we need to show that every solution we recommend is justified by circumstances. We need to keep notes and show our rationales.

That cuts both ways. If your need for cover is less than it was a few years ago, then we will recommend less cover.

So if you've been hiding from us, I'd like to invite you to come in for a chat. We may well be able to save you money by reviewing your insurance. And remember that any money you save with lower premiums can be redirected to your mortgage, to help you reduce it faster. 

You’ll be debt-free sooner. And isn’t that the ultimate goal?