Insurance

What are the risks in your life?  What if you lose your income or even die?  Can you continue to support yourself?  Do you have a plan to take care of your loved ones?

Insurance is about looking after yourself and those who depend on your income.  It helps provide financial flexibility to get through a difficult time.  You know you should arrange car insurance before you drive your car on the road.  You are required to have home insurance before your home loan starts.  Likewise, you should arrange health, life and trauma insurance for yourself, for you, as an asset, are more valuable in terms of income and protection to your family.  While you may spend lots of money on your insurance, you should weigh the opportunity cost between insurance and investment.  The money you spend on your insurance is ‘once gone, it’s gone’.  We can direct you to spend your money wisely.

Here you can reach a range of insurance for your needs.  From health, life, income, trauma, travel insurance (visiting New Zealand) to general insurance on content, home and vehicles, see us for the tailor-made advice at a competitive price. 

We’re financial brokers acting between you and the product providers – the insurance companies.  We believe the following insurance companies are good and we can trust them.  

  • AIA – Credit rating ‘AA’ (very strong) by Fitch in 2020.
  • Fidelity Life – Credit rating ‘A-’ (Excellent) by AM Best in 2021.
  • Accuro –  ‘New Zealand’s best little health insurer’.
  • Vero – Member of Fair Insurance Code.
  • Southern Cross Travel Insurance – Quality Service Award 2021 by Reader’s Digest.

Contact us today for a no-obligation consultation and discover how we can help you.

在您的生活中,有哪些潜在的风险?万一意外发生,如工作没了,收入也没了,甚至过世,怎么办?还可以继续维持生活?还可以继续照顾家人?

保险就是这样一种保障,保护您和家人,尤其依靠您来抚养的亲人。保险就是一种经济援助,帮助您渡过困难时期。想想看,通常您开车上路前就买好汽车保险;在房屋贷款生效前银行就要求您安排好房屋保险,那么同样道理,作为家庭收入和保障的您,不但是一个资产,而且非常重要,需要健康、人寿和重大疾病等保险来保护。

此外,花钱买保险时也要衡量机会成本,同样的钱花在保费上合算还是投资上合算?因为一般情况下保费一去不复返,只有理赔时才得到‘超额的回报’。在这点上,我们能够从保险和投资的角度分析,给您合适的建议,让您的钱花得所值。

我们提供人身保险,包括健康、人寿、收入、重大疾病和旅游等,我们也帮助客户购买财产、房屋和汽车保险。我们提供的建议,具有性价比上的优势。

作为保险代理,我们在您与保险公司之间搭建桥梁。我们推荐以下保险公司的产品,它们不但评级好,有口碑,而且信得过。

  • AIA友邦保险 – 信用评级‘AA’ (非常健强),2020 年Fitch 授予。
  • Fidelity Life – 信用评级‘A-’(优秀),2021 年AM Best授予。
  • Accuro – ‘新西兰最好的小型健康保险公司’
  • Vero – ‘公平保险准则’会员
  • Southern Cross Travel Insurance – ‘2021年服务品质奖’读者文摘授予。

欢迎咨询,进一步了解我们提供的服务。