Gloria Sarney & Associates Limited

Gloria Sarney & Associates Limited Gloria Sarney & Associates Limited is a team of dedicated people who care about you and your family and can advise you on the best cover avaible to suit you

When you first buy a property, you set up your insurance to match your exact mortgage debt. But as time goes on, your fi...
02/06/2026

When you first buy a property, you set up your insurance to match your exact mortgage debt. But as time goes on, your finances move.

Every time you make a principal repayment, the actual financial gap you need to protect changes.

If you took out cover to protect a $500k mortgage a few years ago, but you’ve since paid that down to $400k, your insurance is out of alignment. You’re essentially paying a premium to cover a debt that doesn’t exist anymore!

By realigning your home cover to match your current, real-time mortgage balance, you ensure you aren’t over-paying. It’s a simple, strategic adjustment that trims your monthly premium while keeping your home and family completely secure.

When was the last time you checked your insurance against your actual home loan balance?

Send me a message or give me a call and let's get your cover perfectly realigned!

Rachel
📞 027 371 9960

Wishing everyone a wonderful and relaxing long weekend! ✨Whether you’re heading away, catching up with family, or just t...
29/05/2026

Wishing everyone a wonderful and relaxing long weekend! ✨

Whether you’re heading away, catching up with family, or just taking time out to relax, have a safe and happy King’s Birthday weekend, everyone! 👑✨

Let’s talk about the "W" word...Wills 📜I know - thinking about a will isn’t exactly up there on anyone's weekend bucket ...
27/05/2026

Let’s talk about the "W" word...

Wills 📜

I know - thinking about a will isn’t exactly up there on anyone's weekend bucket list. It feels heavy, a bit morbid, and let's be honest, we all like to think we’re invincible. But a current will is actually one of the biggest stress-relieving gifts you can leave for your family.

Without one, the government steps in to decide who gets what - from your house and savings right down to your sentimental family heirlooms. And trust us, the state's idea of a fair split rarely matches yours!

🛑 The "Set and Forget it" Trap

Already have a will? Nice work - high five 🙌
But when was the last time you actually looked at it?

An outdated will can cause just as many headaches as having no will at all. You definitely want to dust it off and update it if you’ve recently:

💍 Gotten married or divorced
👶 Welcomed a new baby or grandchild
🏡 Bought a new home or started a business
🐾 Adopted a pet you want to ensure is looked after

♥️ Why it matters

When we lose someone, the grief is heavy enough. The last thing your loved ones need is frozen bank accounts, legal confusion, or avoidable stress. A clear, up-to-date will gives them a roadmap when they need it most.

Protecting your family isn't just about the insurance policies you have today—it’s about making sure your wishes are airtight for tomorrow.

👇 Time to tick it off the list?

Consider this your friendly reminder to get it sorted. Whether you need a recommendation for a great local estate lawyer or want to make sure your insurance aligns with your estate plan, I'm here to help.

Give me a call or send me a message to chat 💛

Rachel
📞 027 371 9960

If you’re looking for a simple, direct way to trim your health insurance premiums, your policy excess is a fantastic lev...
19/05/2026

If you’re looking for a simple, direct way to trim your health insurance premiums, your policy excess is a fantastic lever to adjust.

Your excess is just the amount you agree to pay toward a medical claim before the insurer covers the rest. A lot of people set this to a $0 or low excess when they first take out their policy and then forget about it.

But as time goes on and your financial situation changes, your policy should too.

If you’ve built up a bit of an emergency cash buffer, fine-tuning that excess to $500 or $1,000 can instantly lower your monthly premium by 15% to 20% 📉

Think of it as making your cover more efficient: you take care of the minor, everyday medical costs yourself, while keeping the insurance securely in place for the big, expensive private hospital surgeries. It’s a massive win for your weekly budget.

Have you reviewed your policy structure lately?

Send a quick message or give me a call if you want to look at fine-tuning your current setup!

Rachel
📞 027 371 6690

Is your health insurance bill rising faster than your grocery shop? 📈🍎Have you noticed your health insurance premium too...
14/05/2026

Is your health insurance bill rising faster than your grocery shop? 📈🍎

Have you noticed your health insurance premium took a jump lately - even though you’re fit, healthy, and haven’t made a single claim? You aren’t alone!

A recent report shows some Kiwis are seeing their premiums rise by up to 25% in just one year. It feels unfair, especially when you’re doing everything right, but there are a few big reasons why this is happening:

🔹 The Cost of Care: Private surgery and specialist appointments are getting more expensive.
🔹 New Tech: We have access to amazing new medical technology and medicines, but they come with a higher price tag.
🔹 High Demand: With the public system under pressure, more people are using their private cover than ever before.

Don’t just hit "cancel" yet!

If your latest renewal gave you a shock, let’s chat. There are simple ways to structure your policy - like adjusting your excess or tweaking your benefits - to keep it affordable while keeping you covered.

Rachel
📞 027 371 9960

Click below ⬇️ to read the full article

https://www.rnz.co.nz/news/business/577123/healthy-young-but-medical-insurance-premiums-rise-25-percent-in-a-year?fbclid=IwdGRjcARo6odjbGNrBGjqZ2V4dG4DYWVtAjExAHNydGMGYXBwX2lkDDM1MDY4NTUzMTcyOAABHigUO56oZMy50JOHjJxGZqFjF-c7TtC8OmK3eaOwGZRx91vmWKj3ZhQkf4CR_aem_frmod3aszMyhqJ4EtTEK3A

Happy Mother’s Day to all the amazing mums, step-mums, and mother figures out there! 💐 Between the constant snacks, the ...
09/05/2026

Happy Mother’s Day to all the amazing mums, step-mums, and mother figures out there! 💐

Between the constant snacks, the endless "to-do" lists, and the beautiful chaos of family, there’s never a dull moment. A huge amount of love to all of you who keep the wheels turning while somehow keeping everyone fed and happy.

We hope you get a moment to sit down, enjoy a coffee (while it’s actually hot!), and feel all the love you give out every day. You’re doing an incredible job. ✨💖

Some insurers literally want to reward you for looking after yourself!Many modern insurers have shifted their focus to '...
04/05/2026

Some insurers literally want to reward you for looking after yourself!

Many modern insurers have shifted their focus to 'preventative' health. Basically, they’d much rather you stay healthy and happy than have to make a claim! To encourage that, they offer wellness programs that reward you for simply looking after yourself.

By engaging with wellness programs (like tracking your steps or getting a regular check-up), you can earn premium discounts of up to 10–20%, plus perks like movie vouchers or cheaper gym memberships.

It’s the only bill in your budget that actually rewards you for going for a walk. You get healthier, and your premiums get leaner - it’s a total win-win!

If you want to learn more about insurer wellness programs or to see if your insurer offers one, give me a call or flick me a message 💛

Rachel
📞 027 371 9960

Today we stop to honor the courage, sacrifice, and resilience of those who served and those who continue to serve. We ar...
24/04/2026

Today we stop to honor the courage, sacrifice, and resilience of those who served and those who continue to serve. We are incredibly grateful for the freedom we enjoy today because of their bravery 🙏
Wishing everyone a peaceful and reflective ANZAC Day 🇳🇿

We need to have a serious conversation about group schemes. I love that my clients have work schemes, but a 'one-size-fi...
24/04/2026

We need to have a serious conversation about group schemes.

I love that my clients have work schemes, but a 'one-size-fits-all' policy rarely fits a family with a real-life mortgage and big future plans. After reviewing hundreds of NZ family plans, I see the same three dangerous assumptions made about work policies over and over again.

The Reality Check:

1️⃣ "One Size" Does NOT Fit All. Your work schemes are usually a flat amount or a smaller multiple of your salary. Is that enough to clear the mortgage and replace your income for your family? (Usually, it's not.)

2️⃣ It’s "Job-Dependent". What happens if you get a scary diagnosis and can't work? What if you are made redundant? In almost all cases, that cover disappears the day you leave your job - leaving you uninsured precisely when you need it most.

3️⃣ You’re Only Half-Protected. Your work scheme likely covers if you pass away, but what about if you have a massive heart attack and need six months off to recover? (That's Trauma Cover, and your work scheme probably doesn't have it.)

Work schemes are an amazing foundation (especially if you have pre-existing conditions!), but they were never intended to be your whole house.

🛑 Stop & do the 30 second audit today:

Don't guess. Take 30 seconds to see where you stand:

➡ Find your policy: Look for the "Sum Insured" amount.
➡ Check your debt: Compare that number to your total mortgage + 2 years of living costs.
➡ Spot the gap: If the numbers don't align, you have a gap that needs a "top-up."

Not sure if your "top-up" needs to be big or small? That’s exactly what I help with. No corporate jargon, just a quick look at the gaps.

Give me a call or flick me a message and let's make sure you and your family are properly protected 💛

Rachel
📞 021 371 9960

When was the last time you checked your 'Sum Insured' 🤔If you took out a life insurance policy 5 years ago to cover a $5...
19/04/2026

When was the last time you checked your 'Sum Insured' 🤔

If you took out a life insurance policy 5 years ago to cover a $500k mortgage, but you’ve since paid that mortgage down to $400k... you’re paying to insure a debt that doesn't exist anymore!

A quick annual 'right-sizing' check ensures you aren't over-insuring. Less debt = less cover needed = lower premiums. Simple.

Want to chat and review your cover? Give me a call or flick me a message - I'd love to help 💛

Rachel
📞 027 371 9960

Address

318 Grey Street, Hamilton East
Hamilton

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