My style of business is to establish your priorities and concerns involving your financial and insurance affairs rather than just pedaling policies. I am concerned that we get the right insurance for you and I offer a long term, personal, customer service. I hope you are comfortable with this way of doing business.
I have a process of identifying your requirements and matching you to the ideal product and insurance company. I don't endorse my values on you; instead I work with yours and create a tailormade protection plan for you according to your pursestrings.
It is a good idea to have a 'safety net' around you in case of an untimely death. All any insurance will do is relieve your financial burden and enable people to stay in their own world. The worst thing to happen at a time of grief is to have a money issue as well - and that is where I can help.
Income Protection is an extremely valuable product as it protects your greatest asset, your ability to earn an income. Should you suffer any illness that stops you doing your current job your income protection (your own portable and private sick leave) will step in after a 30 day stand down and pay you 75% of your gross income until you are 65 years old.
How Jill Does It:
I have a consultation with the person where I endeavour to find out where they are at and where they are going. In other words I need to get to know the person so that I can make my recommendations as to what are the right products for them so that they have a ‘safety net’ around them and their family.
Rather than ‘picking’ a figure of insurance as being the correct one for them. I have a process that we work at together to come up with ideal amounts of cover. These are not set in concrete but are starting blocks. I look for a product that looks after clients in the long term ie loyalty discounts. As I want my clients happy with their insurance all the time. It also needs to be flexible so that if they want to increase cover or decrease it later that it is easy to do so.
Having an insurance broker means that I deal with many different insurance companies. I do not work for them – I work for my clients. In fact my clients need never ring an insurance company ever again – they ring my office as our job is to provide customer service to our clients. Any problems I go into bat for the client and work to find a solution.
Insurance Companies Used:
- ASTERON (formerly Royal & Sun Alliance)
- SOVEREIGN
- AMERICAN INTERNATIONAL
- ING LIFE
- CIGNA
- FIDELITY
- SOUTHERN CROSS
I deal with multiple insurance companies so can provide you with competitive quotations and a range of products.
How Jill Gets Paid:
Initial commission is paid by the insurance company on the completion of a sale. If the client cancels the policy in the first two years – all the commission is paid back to the company.
Renewals are paid from the insurance company to broker – this covers the service of the client.
It is no cheaper to buy the insurance from the insurer. In fact they will refer client onto broker.
|
How I Work 
Life insurance can appear overwhelming and complicated. 
We specialise in transferfing your UK Pension Scheme to NZ