Does Your Insurance Still Fit?
Get advice – not just a quote
The radio is full of advertisements for quick insurance quotes. One promises that three questions is all you need to answer before purchasing a policy. That sounds very convenient, until claim time when you discover the exclusions and fine print conditions contained in many of these quick-sell insurances.
Talking with a Futurisk qualified insurance adviser is invaluable. Rather than selling you a quick product, our advisers will walk you through the insurance process, helping you to understand what you’re paying for and explaining the benefits of your insurance protection.
We will also compare policies across multiple providers ensuring that you receive the best advice and best value; not the cheapest option, but the policy that best suits your situation.
Finding value for money – not the cheapest policy, but the best
During tough economic times, it can be tempting to save money by cutting back on, or even cancelling, insurance. Futurisk’s advice is to first carefully consider the cost of not being insured should something happen.
We do our best to help you find ways to adjust cover or restructure premiums to keep them affordable. Remember, a well-structured insurance policy is vital for protecting your family’s financial future should something unexpected happen.
A Futurisk insurance review doesn’t mean buying more. It means, taking the time to ensure your cover is serving you the best way possible.
The bottom line
Insurance is there to protect you, your family, and your finances. However, it only works if it’s fit for purpose. A quick review with your Futurisk insurance adviser could make a big difference to both your budget and your long-term security.
As the rising cost of living puts pressure on most Kiwi households, it's a good time to examine your regular expenses, and that includes your insurance. Whether it's life insurance, health insurance, income protection, or general cover, everybody’s insurance needs change over time. That means, we all need to review our policies to ensure they still match our circumstances. It could be you are paying for more than you need and could save money. Or it could mean there are gaps in your insurance cover that would leave you financially exposed if something happened.
When it’s time you reviewed your insurance cover, here’s a few things to keep in mind.
Life changes – so should your insurance cover
Major life events can all affect how much insurance you need and yet, many people set up their policies and never give them another thought. Life events affecting your insurance needs include getting married, having children, buying a house, changing jobs, and paying off debt.
If you’re paying for cover you no longer need, you can almost certainly reduce your premiums and save money. On the other hand, if your circumstances have changed and your cover hasn’t kept up, you may not be as protected as you think. That means, your insurance premiums may be lower than they should be but, if something goes wrong, you’ll be underinsured and could be out of pocket for years to come.