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Life Broking Specialists

Life and Living insurance tailored for families, professionals and businesses

We all like to think “it won’t happen to me”, but the reality is, bad things do happen. And they can happen to anyone at any time.

Our job is to provide the tools that enable you to make an informed decision on how to best protect yourself, your family and/or your business from death, illness or injury.

Don’t wait for the misfortune to happen, protect what matters most today.

It was certainly a pleasant surprise to have our claim accepted for the full amount. This will certainly help, as you know while the health system is good, there are lots of extra expenses and costs outside the treatment, and to have some surety behind us is great. The funds will also allow us to take a well needed break when this little speed bump is over. Once again thank very much from both of us.

Chris & Trish Tchernegovski

About Phil

Experience

Phil has worked in the Financial Services industry for over 45 years, mainly in the areas of personal risk management. Throughout this time, Phil has helped make a difference for many clients during tough times, being involved in many claims across all facets of individual personal risk protection – death, trauma, income protection, total & permanent disability, accidental death and both medical and surgical claims.

Continuing Professional Development

Phil maintains and keeps current a professional development plan which exceeds the requirements to maintain his competence for the financial adviser services which are provided or intended to be provided by him. These include attending workshops and presentations held by financial product providers and the Professional Advisers Association (PAA).

Personal

Phil has been an active member of the Upper Hutt community for many years. It is where he and his wife have raised four children and continue to live. From rugby coaching and refereeing to school committees to volunteer work, it is clear that Phil is passionate about all things people. This is reflected in the relationships he has with his clients. 

A copy of Phil’s Disclosure Statement is available upon request at no cost.

What we do

Life Broking Specialists provides tailored life insurance advice for families, professionals and businesses. In short, we find out what your goals are, assess your current situation and work with you to put the best protection plan in place for your specific needs. 

We pride ourselves on the regular contact we maintain with our clients. Life’s various changes can impact significantly on the need to review your levels of protection and we are happy to monitor this for you along with ownership issues and premium alterations.

Lastly, we are here to help every step of the way should you ever need to make a claim, making sure it is paid to the right people at the right time – It’s what we’re here for.

Phil’s business practice and advice process is audited on an annual basis by independent auditors to ensure compliance and best practice principals are adhered to.

Phil follows a Seven Step Process™ for giving financial advice as follows:

  1. Establish the client-adviser relationship
  2. Record client information that is relevant, determine your objectives and expectations, including the scope of service
  3. Analyse your financial situation
  4. Develop written advice, present and discuss with you
  5. Implement the plan, including any changes discussed
  6. Monitor and reassess the plan and make changes as appropriate
  7. Be there to deal with the claim

When dealing with my wife's unexpected serious medical event early this year, Phil took on our case and kept us informed in a sensitive and timely manner. He was very effective in negotiating on our behalf at a highly challenging time and achieving a positive outcome for us.

Phil has been our broker over many years and we have always really appreciated his calm, friendly and informative approach.

Euan and Shelley Murdoch

Types of insurance

Personal

Your greatest asset is your ability to earn an income. Have you ever thought about how you and/or your family would cope financially in the event of death, disability or serious illness?

The good news is that with the right insurance in place you can still protect what you value most – lifestyle, family, health, even the home you live in, no matter what.

We provide advice on the following benefits:

  • Life Cover - A lump-sum or monthly payment in the event of death or terminal illness (or a combination of both).
  • Trauma Cover - A lump-sum payment in the event of a serious illness or accident
  • Income Cover - A monthly payment if you are unable to work because of a disability or serious illness
  • Total and Permanent Disablement Cover - A lump-sum payment if you become totally and permanently disabled
  • Mortgage Cover - A monthly payment to cover the cost of your mortgage if you are unable to work because of a disability or serious illness
  • Medical Cover – provides access to non-acute medical treatment as and when required without the need for waiting lists or unnecessary delays

Business

If you or one of your key people were unable to take care of the business due to illness, injury or death will the financial needs of you and your business be met?

Business insurance provides a contingency plan for your business – it works when you can’t.

We provide advice on the following benefits:

  • Shareholder Protection
  • Key Person Cover
  • Business Continuation
  • Group insurance for the workplace

Why use an adviser?

With so many options out there and so many ‘what ifs?’ it’s important that you make an informed decision about protecting yourself, your family and/or your business.

Every year new products are being introduced by a wide range of institutions. It is unrealistic for any one company to provide all of the best products available. In today’s world most people do not have the time to survey the market for themselves.

An adviser has the time, experience and necessary information to research the marketplace and offer the products best suited to your needs.

Many thanks Phil for all you have done for our family. It’s been a long time that you’ve helped us with our insurance needs and provided advice on the best way forward. I’ve appreciated even more the friendship you’ve shown to all of us.

Michael and Maureen Hammond

Other services

If there is a particular service you are looking for that is not offered by us, we can provide you with the contact details of another expert in the areas of:

  • Mortgage lending
  • Accounting
  • Savings
  • Investment and KiwiSaver (Wealth Management)
  • Wills and Trusts
  • Legal Fire and General Insurance

Contact us

We’d love the opportunity to chat about your insurance needs.

Here’s how to get in touch:

A Ground Floor, 65 Waterloo Road, Lower Hutt 5010

P PO Box 30936, Lower Hutt 5040

P 04 566 4719

M 027 487 4719

E phil@lifebroking.co.nz

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