Would you ask your electrician to give you advice on creating a will and enduring powers of attorney? Would you contact your dentist to wire-up your house extension? Or would you expect your lawyer to design and create an awesome web site and digital marketing strategy for your business?
I very much doubt it!
While I have huge respect for the Kiwi DIY and number 8 wire tradition, there is no doubt that when it comes to trades or professional services, you will choose a specialist who will provide you with a professional and efficient service that is based on their specialised knowledge, experience and track record.
And yet, when it comes to life and health insurance, it never ceases to amaze how many people will take unqualified advice from well-meaning, but poorly-informed, “friends and family” who have absolutely no knowledge of:
- the range of insurers,
- the types of covers they provide,
- the variable quality of the policy wordings in the market (insurance policies are not all created equal),
- where the cost “sweet spots” are for different insurers (all insurers have their specific “sweet spots”),
- what extra inbuilt benefits are incorporated by some insurers (some innovative insurers include extra benefits),
- the systems and processes used by different insurers (some provide exceptional service and excellent communications, while others can be very erratic and poor),
- the excellent value that an experienced insurance specialist will provide to a client, through strong advocacy at the application and underwriting stage, and, especially, in assisting a client at claim time.
It is important, when taking up personal insurance cover, that you work with an expert insurance specialist who is there for you, in your corner, to fight for you every step of the way, whether at application and underwriting time, or at claim time.
It’s what we do!
Theo Simeonidis
UProtectNZ Insurance Services