Needs Analysis – A Thoughtful Approach to Insurance
Rather than guessing cover amounts, we walk you through a few simple questions and provide a tailored report to help you make informed decisions. This process is called a Needs Analysis.
It gives us a clear picture of your situation—whether personal or business—and outlines options at different price points.
The report considers things like your mortgage, final expenses, and other financial responsibilities if you were to pass away or become disabled.
If you have children, it also factors in the income needed to care for them until they’re financially independent—usually age 18 to 21.
There’s no obligation—just a practical and logical guide to help you review your current insurance and assess what’s truly needed.
Your current income
The report makes recommendations about replacing that income if you should be unable to work due to illness or injury. It takes into account ACC benefits, as well. 
Critical Illness
This is one of the 'biggies'. Forty years ago if you had a moderate to severe heart attack you may have died. Today, with advances in medical science, you may well be back at work in 12 to 18 months. But what do you do financially in the meantime? The report makes recommendations in that area.
Health and disability
Most of us think we will never be permanently disabled. And that's true, most of us wont be. But if we are, the financial cost is huge. The report takes this into account as well.
Then, Health Insurance. It's one of the few covers that is paid out even though you may still be working.


You know what is often the decider? The cost. So the report gives a number of options regarding premiums

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some things to look for when shopping insurance

price

Price is important. However the interesting thing is the pricing for personal insurance is pretty similar across all the main providers.

claim time

This is a most important area. We handle all the detail for you. (You dont want to be in a hospital bed messing around with an insurance claim)

Bob recently completed a claim for a family. The husband didn't really have a lot to do with putting the insurance in place. He left most of it up to his wife. Which is fine. A couple of years after putting the plan in place his wife was diagnosed with a very serious illness. All she said to her husband was "Ring Bob". I was pleased to be able to tell him that his wife was covered.
​Subsequently we were able to pay a substantial lump sum. This money got them through the next 12 months while his wife was recuperating. We are pleased to say she is now back at work and enjoying life once again.

quality

There can be quite a variation in policy wording (for the same product) across insurers. We use an Independent Research House to provide us with a report on the type of products you are considering and the quality of the product across all the main insurers.
​This takes into account your age, occupation and the type of product being considered. ​

WHATS THE MOST IMPORTANT AREA? 
​BOB SAYS "THE LONGER IM IN THE BUSINESS, THE MORE I REALISE ITS CLAIM TIME THATS THE MOST IMPORTANT AREA. THATS WHEN YOU NEED TO KNOW THAT THE INSURANCE YOU HAVE IS GOING TO PROVIDE THE RIGHT AMOUNT OF MONEY AT THE RIGHT TIME"