BRISK Insurance

01/04/2024

03/12/2023

Feeling down with increaseing cost of life insurance premiums in addtion to high cost of living and interest rates... it is time to talk to an experienced insurance adviser on strucuture of your premium.
If you are above the age of 45 and wish to retain your insurance policy past age 60 it is time to consider a combinatin of locked level premium and stepped premium to keep insurance affordable in long run.
Q. Is locked level premium better for me or stepped premium?
Both type of premium structure have their benefits. See photo of graph attached
For example, if you’re not planning to keep part of your insurance for a long period or your insurance needs might reduce over time, stepped premiums could be a better option.
But for many customers, the need for insurance will also decrease as you age – for example, as you pay down mortgage debt or your children become independent – so it’s possible for you to adjust your cover to keep your premiums affordable.
When you want to keep your insurance for a longer time,you’d struggle to cope with increasing premiums, level premiums might be better to cover these long term needs.
Most of our customers want to keep some insurance cover in place over the long term, in case anything unexpected happens later in life and there is a need to pay off on-going debt, cover funeral costs, boost a partner’s retirement income or even cover family repatriation. It’s important that you have cover that you can keep for as long as you need it, so we offer two different premium structures.
Often, the best solution is a combination of both types or premium.
Dont hesitate to call Anand - Brisk Insurance for an obligation free intial discussion if level premium is the right structure for you.
https://briskinsurance.co.nz/videos/

11/02/2023

NZ provides countless opportunities to learn and enjoy our adventure based-hobbies. However, our hobbies also come with the possibility of injury…

Introducing the Specific Injury Benefit Cover - a game changing insurance policy, with affordable premiums, organised through Brisk Insurance with an insurer guaranteed to cover 29 specific pre-defined extreme sports injuries.

SIB is sure to protect a range of sports and extreme sports enthusiasts from the financial risk of an injury suffered from your hobby. From paragliders, hang gliders, Kite surfers, base jumpers, skydivers and mountain bikers all the way to skiers, snowboarders, motorcyclists and rugby players etc - SIB helps all.

Suffering an injury from your hobby affects your day-to-day tasks and work. With SIB cover, you ensure that you and your family are financially secure despite an injury that can prevent you from going to work!

It's time to live your life, on your own terms, no matter how “dangerous” your sport is deemed to be.

Secure your Lifestyle!

Visit our website through the link below!

https://briskinsurance.co.nz/adventure-sports/

Contact us today for any queries and a quote :)

15/12/2022

Another win today for Paragliding enthusiasts. One insurer has agreed Life, Trauma, Disability cover at standard rates no extra charge for recreational pilots flying less than 100 hours a year, no paragliding exclusion placed provided pilot does not participate in competition. For pilots who participate in domestic and international compeition extra premium of $2 per mille will be appplied and offfered only Life Cover, no exclusion placed for paragliding . This is quite bit of relaxation as this will cover majority of PG pilots. . And evey application is subject to undewriting based on medical history , past injuries etc so cannnot say guaranteed acceptance and will be subject to each person past history. The word "underwirting" is an insurance jargon meaning subject to assessment by a peson called underwriter of your medical and past injuries so they may or may not accept. Depending on where you fit PG1 , PG2 or PG3 and number of hours flown, medical and accident history in past years you can either get standard rates or with extra premium covered with no exclusion for paragliding. For me personally getting competition flying included is a great win as I have been trying without success for last few years. So this is good news for the PG fraternity.

Send a message to learn more

18/12/2021

As an Insurance adviser I am proud of the fact that insurance works. Little did I know, shoulder surgery would lead to a cascade of claims! So, I am very thankful that this client signed up for a holistic tailor made package in 2016 rather than one benefit. The net result trauma paid twice - once in 2019 (for prostrate cancer) and now in 2021 for the reinstated trauma cover (for a benign brain tumour). He is still on income protection, getting a claim paid, monthly, for the last 2 years. An additional Total Permanat Disability claim paid out as he cannot return to being an electrician. A countless number of medical claims were paid over the last 3 years. The only claim not paid yet is life cover and I sure hope not...
As an insurance adviser, it is worth sharing the work I do with the New Zealand community to highlight that insurance claims work!
I was panelist in recently held Financial Services Council conference, here is the youtube link of the panel discussion - https://youtu.be/UuqFFg5kpno

Here is my linkedin post
https://www.linkedin.com/.../urn:li:activity.../

09/11/2019

Two awards for Brisk Insurance. Excellence in Insurance advise and Premier Award for top 5%

19/11/2018

It was a real surprise for me to see this in Chatswood Consulting website.

https://www.chatswood.co.nz/…/brisk-insurance-tpd-claim.html

A great TPD claim story
A superb video about a successful TPD claimant, who was a drainlayer......

CHATSWOOD.CO.NZ
A great TPD claim story
A superb video about a successful TPD claimant, who was a drainlayer. I hear a lot that people say TPD doesn't pay. I think that there is a lot of…

17/10/2018

Tonight we’re celebrating the stars of AKL’s South East business region in the Westpac Auckland Business Awards (South East) 2018. Post with our hashtag . View Finalists https://bit.ly/2Co0D1o Good luck!

Auckland Tourism, Events and Economic Development (ATEED) Westpac NZ Wise Advice Ltd. BRISK Insurance Clique Fitness Link2 Group Park Supplies Playgrounds Ceracell Beekeeping Supplies The Meat Box DHL IBBZ Accounting Limited Allbrite Services Ltd Quentosity - Digital Marketing Consultancy Eco Bags - Reusable & Eco-Friendly Bags Farm Medix Ltd Meltrons NZ

14/10/2018

Cliffe Consulting are professional financial advisers, specialising in investments and retirement planning. We are completely independent and have been providing financial advice to New Zealanders for over twenty years.

16/09/2018

Please vote for Brisk Insurance

The Westpac Auckland Business Awards People's Choice South-East region voting is now open. Get behind Auckland business and vote for your favourite entrants. The winner will be announced at the Gala Dinner on 17 October at Vodafone Events Centre. Voting closes 28th September.
Vote here: https://hubs.ly/H0dMGw70