Newma

We're all about securing your financial future with insurance solutions that are just right for you. This helps us understand your unique needs.

How does our insurance process work?

15 Min Call- Getting to know you:

Let’s get to know each other. We'll discuss what’s important to you and see if we're the right fit to help you achieve your goals. Online Questionnaire- the finer details:

Share details about your lifestyle, health, finances, and income through our straightforward questionnaire. Developing a Plan- personalising your plan:

Using the information from the questionnaire and our discussions, we create a comprehensive plan tailored to your needs. We consider what’s most important to you to craft a recommendation of cover. Insurance Proposal- discussing your plan:

We’ll present our tailored recommendations and explain the strategy in detail, ensuring you understand all aspects of the proposed cover. Application process:

We assist you with the application process, submitting your application and working with insurers on any requirements. We keep you updated throughout the process, which can vary in length depending on the complexity of the cover and any medical or financial requirements. Once the policy is in force, we’ll notify you immediately. Ongoing Review:

Life changes, and so do your insurance needs. Reach out to us whenever you need to update your coverage, ensuring it continues to fit your life perfectly. General Advice

The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where necessary, seek professional advice from a financial adviser.

14/02/2025

Some people say life insurance is a big commitment.

But let’s be real…

❌ You commit to opening tabs you’ll never read like you’re assembling a research paper.
❌ You commit to a gym membership you may never use.
❌ You commit to a Netflix show with 12 seasons knowing you’ll never finish.

But protecting your family’s future? That’s where you draw the line? 🤨

Look, I’m not saying insurance is sexy… but you know what’s less sexy?

❌ Leaving your loved ones in a financial mess.
❌ Relying on “hope” as a backup plan.
❌ Having no safety net because you “never got around to it.”

This Valentine’s Day, let’s make grown-up commitments—because financial security never ghosts you. 😉

PS: I am guilty as charged of opening ALL the tabs! 🤷‍♂️😂

12/11/2024

Life insurance may not feel like a priority… until you consider what’s at risk without it.

Understand that life insurance isn’t:

❌ Only for those with a mortgage

❌ Too expensive for everyone

❌ A waste if you're healthy

❌ Only needed if you have kids

But, it is:

✅ Peace of mind for any life stage

✅ A safety net for your loved ones

✅ Affordable with tailored plans

✅ Protection against unexpected costs

✅ Support for dependents in need

Thinking about life insurance answers these important questions:

1. What support will my loved ones need to navigate life without me?

2. How can my family maintain their lifestyle without my income?

3. Who will cover my debts if I'm gone?

22/10/2024

Life and health insurance can feel confusing, but it doesn’t have to be! Let's break down a few key terms to make things clearer:

Premiums: This is the amount you pay to keep your insurance active. Think of it like a subscription for protection.

Excess: The amount you have to pay before the insurance kicks in. It’s your share of the cost.

Beneficiaries: The people you choose to receive the payout from a life insurance policy when you pass away. Often, it's your family or loved ones.

Policies: This is the agreement between you and the insurance company. It outlines what’s covered and what’s not.

💡 What’s the most confusing part of insurance for you? Let’s clear it up! 👇 Drop your questions in the comments below!

07/07/2024

Why do we insure our homes, cars and assets, but not ourselves?

We are quick to say that we won't drive the car off the lot until it is insured or pay extra for that extended warranty on the asset we are buying.

But when we look at insuring ourselves, we routinely delay this until tomorrow.

The problem is that tomorrow becomes next week, which then becomes next month and before you know it years may have passed before anything is done.

In the meantime, our health could change which could significantly affect your insurance through exclusions or loadings.

People are then quick to turn around and say that life and health insurance are "not worth it" because of these terms but the reality is that if they had done something sooner, they may have obtained more favourable terms.

There are a few reasons that people delay in getting insurance:

➡️ Our homes and cars are assets we see and use every day and their protection feels immediate and necessary

➡️ We don't understand the value of our income and contribution to the household if something were to happen to us

➡️ Many Kiwis underestimate the likelihood of needing personal insurance

➡️ Life and health insurance products can seem complex and expensive and this prevents many people from getting started.

Are you going to wait until tomorrow or get your insurance sorted today?

Ready to take action? Contact me today to learn more about how you can protect yourself and your family with the right insurance cover.

📱 021 083 11447
✉ [email protected]

25/06/2024

Your family's future deserves the best protection. As young professionals, your lives are full of responsibilities and dreams. Let us help you secure those dreams with our comprehensive life insurance solutions. Whether you’re looking for life, health, trauma, or income protection insurance, we provide personalised plans that meet your unique needs.

Imagine the peace of mind knowing your loved ones are financially secure, no matter what life throws your way. Take the first step towards a safer, brighter future for your family. Learn more and schedule a free consultation today to find out how we can help you protect what matters most.

👉 Take the first step towards a safer, brighter future for your family. Schedule a free consultation today to discover how we can help you protect what matters most.

📱 021 083 11447
✉ [email protected]

09/05/2024

🚫 Debunking Common Myths About Life Insurance 🚫

Life insurance is a cornerstone of financial planning, yet it's surrounded by misconceptions. Let’s set the record straight and debunk some of the most common myths about life insurance:

Myth 1: It’s Only for the Elderly

Life insurance is crucial at various stages of life, particularly if others depend on your income. Whether you're young or old, life insurance provides financial security to your loved ones if something unexpected happens to you.

Myth 2: It’s Too Expensive

There are plans available for every budget. Factors like age, health, and lifestyle can influence costs, but life insurance can be surprisingly affordable, especially if you purchase a policy when you’re younger.

Myth 3: I’m Single and Don’t Need It

Even if you're single, life insurance is important. It can cover debts, funeral costs, and support any dependents you may have, including aging parents or siblings.

Myth 4: My Work Policy Is Sufficient

While having life insurance through work is a great benefit, it may not be enough. These policies often work on a multiple of your income and don't take your personal situation into account.

Myth 5: I Have Savings, So I Don’t Need Life Insurance

Savings can be depleted quickly by debts, ongoing living expenses, and medical bills. Life insurance ensures your savings are preserved for your family’s future needs or your retirement plans.

Why It Matters:
Life insurance isn't just about protecting against the worst—it's about ensuring peace of mind and financial stability for your loved ones. The right policy can safeguard your family's future and support them through challenging times without financial burden.

📈 Ready to learn more about how life insurance can benefit you? Reach out for a personalised consultation and let’s ensure your financial planning is complete!

📱 021 083 11447
✉ [email protected]

08/05/2024

🚨 KiwiSaver Alert: Final Call to Maximise Your Government Contribution!

The deadline to ensure you receive the full government contribution to your KiwiSaver is fast approaching. Are you on track to claim your free money?

What You Need to Know:

Government Match: For every dollar you put into your KiwiSaver, the government will contribute 50 cents, up to $521.43 annually. To unlock this, you need personal contributions of at least $1,042.86 each year.
Deadline Details: The cut-off to qualify for this year’s government contribution is June 30. Don’t miss it!

Why Act Now:

Maximise Your Return: Securing the full government contribution is like getting a guaranteed return on your investment.
Boost Your Retirement Savings: Every additional contribution compounds over time, significantly enhancing your financial security when you retire.

Steps to Take:

Check Your Contributions: Log in to your KiwiSaver account to see if you've contributed enough. If you're short, there's still time to top up.
Plan for Next Year: Consider setting up or adjusting regular payments to ensure you always meet the annual threshold.

Don’t leave money on the table. Ensure you’re fully leveraging KiwiSaver to secure a better future.

📩 Questions or need guidance on KiwiSaver? Let’s connect!

📱 021 083 11447
✉ [email protected]

06/05/2024

🛡Protect Your Earning Power with Income Protection Insurance

In today's fast-paced world, your ability to earn is your most valuable asset. What if illness or injury prevents you from working? Income protection insurance ensures you maintain a steady income, covering up to 75% of your gross salary until you can return to work or retire.

Why Income Protection is Essential:

👉Financial Stability: Manage your expenses without depleting savings.

👉Rehabilitation Benefits: Support for your recovery and work return.

👉Flexibility: Tailor the waiting periods and benefit duration to your needs.

👉Peace of Mind: Focus on recovery with financial security assured.

If you already have income protection in place, here are a few things to consider:

✋Regular Reviews: When last did you review your cover? Have you had a salary increase or started a new job or got a promotion? These things can all affect the amount of cover you should have in place.

✋Understand the Terms: Know your policy's specifics on work incapacity and exclusions.

Income protection is about ensuring stability for you and your family, no matter the challenges ahead.

📩 Interested in how income protection can enhance your personal insurance plan? Lets have a chat!

📱 021 083 11447
✉ [email protected]

15/04/2024

Health Insurance is like saving for a rainy day. ☔

Imagine you're saving money in a sunny season, wondering why you're setting aside funds when all is well. Then, unexpectedly, a storm hits, and you're relieved to have that financial cushion to cover sudden expenses without scrambling or going into debt.

I recently spoke with a client who was interested in health insurance, specifically for gastric bypass surgery. He was under the impression that once insured, he could claim for the surgery immediately. When I explained the three-year waiting period before he would be able to use the benefit for surgery, his frustration was evident, and he considered paying for it himself to get the surgery sooner. A quick Google would suggest the cost of the surgery would be around $20,000. It is unlikely that the cost of his insurance would be that much over a 3-year timeframe.

Here's the thing.

If he chose to get insured, not only would she eventually be covered for the surgery, but he would also gain comprehensive cover for other potential health issues during those three years and beyond—issues that could end up costing more than the surgery itself.

Similarly, waiting to get health insurance until a health crisis strikes is like ignoring dark clouds gathering on the horizon. Having that insurance in place is like your rainy day fund—it ensures you're prepared, protecting you financially when the inevitable health issues arise.

Seeking personalised insurance advice? 💬 Get in touch!

📱 021 083 11447
✉ [email protected]

04/04/2024

Ever wondered what your daily coffee and your KiwiSaver account might have in common?

I love coffee and I love helping people with their KiwiSaver plans, so why not see how this 2 things compare! A bit of a light-hearted comparison for a Friday.

📈 Compounding interest grows over time, much like the savings from brewing your own coffee instead of buying it daily. But, it's your KiwiSaver that truly benefits from this effect, turning small contributions into a significant retirement fund.

🔄 Customisation enhances satisfaction. Choosing your KiwiSaver fund is like picking your coffee blend—getting it right can make all the difference. But, while your coffee choice can change daily, your KiwiSaver strategy should be planned more long-term.

🛠 Adaptability is crucial. Seasons change, and so do coffee orders—from iced lattes to flat whites. Similarly, as you move through life, your KiwiSaver needs to adapt, transitioning from riskier investments to more conservative ones as retirement approaches.

💬 Professional advice can make a difference. A barista can elevate your coffee experience, but for financial growth, a KiwiSaver adviser's expertise is indispensable. They ensure your retirement plan is always brewed to perfection.

Embracing both your coffee habit and KiwiSaver strategy offers daily satisfaction and future security. If you're looking to fine-tune your KiwiSaver investment, let's chat—just like you'd talk to your barista about that perfect cup ☕.

Are there any other comparisons between coffee and KiwiSaver you can think of? Comment below.

01/04/2024

Insurance reviews ensure peace of mind.

But they're often overlooked or undervalued.

During a review, advisers examine your current policies to ensure they align with your evolving needs. Life changes, such as marriage, having children, or buying a home, can significantly impact the type and level of cover you require.

A thorough review involves assessing:

👉Policy Relevance: Whether your existing cover matches your current life stage.

👉Coverage Gaps: Identifying any areas of your life not adequately protected.

👉Cost Efficiency: Ensuring you're not overpaying for coverage you don't need.
Benefit Updates: Checking if newer policies offer benefits more suited to your situation.

👉Underinsurance: Highlighting if increased income or assets necessitate higher coverage.

Ultimately, an insurance review is a pivotal step in maintaining your financial health. It ensures your protection strategy remains robust, relevant, and responsive to your life's inevitable changes.

Ready to ensure your insurance keeps pace with your life? Contact us today for a comprehensive review. Let's safeguard your future, together.

📱 021 083 11447
✉ [email protected]

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Website

http://newma.co.nz/

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