Bobby Chua - Senior Insurance Adviser from Peak Financial Services

14/09/2026

Minsan, hindi natin alam na may benefit pala tayong puwedeng ma claim. This is why staying connected with your adviser can make a meaningful difference.

In this situation, a simple check in after the birth of their baby allowed me to identify two possible benefits and help the family through the claims process during an emotional and overwhelming time.

This is why my role does not end once insurance is arranged. Ongoing service means staying connected, understanding what is happening in my clients’ lives, and being available when guidance and support may be needed.

Thank you to my client for sharing their experience and for trusting me to support their family. I truly appreciate your kind words.

*Claim eligibility is subject to the policy terms and conditions and the insurer’s assessment.

08/09/2026

Not every insurance review should lead to changing your existing policy or moving to another insurer. Sometimes, the most suitable advice is to keep what you already have.

The priority should always be helping the client understand their current cover, the possible risks of making changes, and whether any recommendation genuinely improves their position.

If you would like a transparent and client centred review of your insurance, feel free to get in touch.

General information only. Any advice or recommendation will depend on your individual circumstances.

06/09/2026

Happy Father’s Day to all the dads and father figures who work hard, make sacrifices and quietly do their best for their families every day. 🎉

31/08/2026

I’m sharing this as a reminder to myself and to my fellow advisers that our work is about far more than arranging insurance policies.

Behind every application is a person or family placing their trust in us. Our responsibility does not end when the policy is issued, it matters most when life becomes difficult and a client needs our guidance and support.

Let us continue to give honest advice, genuinely care for the people we serve and be present when they need us most. That is the true meaning of being an adviser.

25/08/2026

Medical Insurance Can Help You Access Treatment Faster.

It may help you access eligible private consultations, diagnostic tests, specialists, and treatments sooner, without having to carry the full financial burden yourself.

This also helps explain why medical insurance premiums may increase. The costs of specialists, diagnostic tests, treatments, surgery, and hospital care continue to rise in New Zealand and worldwide. Insurers may adjust their premiums to keep up with the increasing cost and frequency of medical claims.

Shared for educational purposes with identifying details removed. General information only.

16/08/2026

Annual premium increases can be frustrating and are sometimes unavoidable. However, please do not cancel your policy without first speaking with your adviser. There may be options to make your premiums more manageable while retaining important benefits.

Do not move to another insurer simply because the premium appears cheaper. A new policy may have different terms, exclusions, or limitations. Medical conditions covered by your existing policy may not be covered under the new one.

When working with a new adviser, make sure your circumstances and medical history are carefully assessed. You should fully understand the terms of your new cover before replacing or cancelling an existing policy.

Cheaper does not always mean better.
The true value of insurance is often realised when you need it most.

11/08/2026

🎉 Congratulations to Generate on reaching 200,000 KiwiSaver members!

What stands out to me is that 92.07% of Generate members joined through an adviser.*

This milestone highlights the value many New Zealanders place on seeking guidance when making important decisions about their retirement savings.

KiwiSaver is not simply about choosing a provider. It is also about understanding:

✅ Your financial goals

✅ Your investment timeframe

✅ Your attitude towards risk

✅ The type of fund that may suit you

✅ Your contribution options

✅ Whether your current fund remains appropriate as your circumstances change

Your KiwiSaver could be invested for decades. Personalised financial advice can help you make informed decisions based on your goals, circumstances, risk profile and investment timeframe.

Congratulations again to Generate on reaching this significant milestone.

200,000 members! This is a huge milestone, but what sits behind it is even more important.

Around 90% of Generate members have joined after receiving KiwiSaver advice*, reflecting the value New Zealanders place on speaking with someone before making decisions about their retirement savings.

For years, we've focused on helping Kiwis better understand their options and make informed decisions about their financial future. Reaching 200,000 members reflects that approach and the trust our members have placed in us.

Thank you to everyone who has been part of the journey, and we look forward to even more Kiwis joining us in future!

*Generate data as at 31 March 2026 shows 92.07% joined through an adviser. See the Product Disclosure Statement and advertising disclosures at generatewealth.co.nz/disclosures. The issuer is Generate Investment Management Ltd.

10/08/2026

Your income pays for more than just the bills. It supports your everyday life.

We often think of our home as our biggest asset, but for many of us, our ability to earn an income is what makes everything else possible.

If illness or injury prevents you from working, your income may reduce or stop, while the mortgage, groceries and everyday expenses continue.

Income Protection Cover is one option that may help replace part of your income if you are unable to work due to an eligible illness or injury.

The key is understanding what you already have, how it works, and whether it suits your needs.

Not sure how your income would be protected? Speaking with a financial adviser can help you understand your options.

📌 General information only. This does not consider your personal financial situation, goals or needs. Insurance eligibility, benefits, exclusions, policy terms, conditions and claims are determined by the insurer.

30/07/2026

New home? New baby? New job? Life changed? Your insurance may need a review too.

Changes to your income, employment, health, smoking status, or visa status may affect your insurance needs. It may be a good time to check whether your current cover still suits your needs, priorities, and budget.

Huwag hintayin na kailanganin mo ang insurance bago mo alamin kung suitable pa rin ang current cover mo.

Any recommendations will depend on your individual circumstances. Please seek personalised financial advice before changing or cancelling any existing policy.

Bobby Chua
Financial Adviser
Specialising in Insurance & KiwiSaver
Peak Financial Services

📞 021 239 5335
📧 [email protected]
🌐 bobbychua.co.nz