When it comes to protecting your financial future, there’s a lot to think about and many different options to compare. That’s where having a trusted insurance adviser by your side can make all the difference.
But finding the right adviser is not a one-size-fits-all process. You need to ensure they align with your specific needs. So, here are some key factors to consider.
Ask about their qualifications and experience
The financial advice profession is regulated in New Zealand, and all insurance advisers must undergo relevant training and have a solid understanding of insurance concepts, products, and regulatory requirements in order to be able to provide financial advice.
Advisers must also maintain their professional development. The world of insurance is dynamic, so all advisers are committed to ongoing learning so they can provide relevant, timely advice to their clients.
Consider their areas of expertise
Just as doctors have specialties, so do insurance advisers. Some may specialise in life insurance and health insurance, while others might focus on business cover. If you have a specific need or circumstance – say, you're a small business owner looking for business interruption insurance – it could be beneficial to work with an adviser who specialises in that area
Customer service approach
Every adviser will have a different approach to customer service. Some might offer a more hands-on service, frequently checking in and providing regular updates. Others might take a more laid-back approach, giving you space while still being available when you need them. Reflect on your preferences and expectations in this regard, and ask potential advisers about their approach to client service.
Trust and comfort level
Finally, but crucially, assess your comfort level with the adviser. Your relationship with your insurance adviser should be built on trust and understanding. You should feel comfortable discussing your financial situation, future plans, and concerns. If you don’t feel comfortable, they may not be the right fit.
Take your time
Choosing the right insurance adviser is a significant decision that can impact your financial future.
Take your time, do your research, and remember: the right adviser for you is one who understands your situation, shares your values, and has the expertise to guide you towards achieving your financial goals.
We’re here to help
As insurance advisers, we understand the importance of personalised and strategic advice, tailored to your unique situation. We have the qualifications, experience, and ongoing dedication to professional development to help guide you through the complexities of insurance decisions.
What’s more, our focus is on building strong relationships with our clients. Get in touch if you’d like to meet us and discuss your needs. We’re here to help.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.