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FAQs
Insurances
Q Insurance is really expensive
A Nothing could be further than the truth. Did you know that a couple both aged 35 years could for less than $2.00 dollars a day each have $500.000 of life cover.*
*Based on standard rates for non smokers
Q I have given up smoking should my insurance be cheaper?
A Yes most definitely, but it is interesting why your broker or insurance company has not told you (we know the reason). With OneSure, if you have not smoked for twelve months we will get you a better deal; either increase your cover by up to 100% or reduce your premiums by up to half.
Q How do I know which insurance is best for me?
A The short answer is that you don’t, however OneSure will ask you to complete a needs analysis that will show you where you are at risk. From there they will make a number of recommendations and then you decide what is right for you. It is your call.
Q Insurances are all too hard to understand and I have enough anyway.
A Yes it can be hard to understand if you buy it over the counter at the bank or via the internet OneSure makes it easy by providing quality advice to help you decide and remove any difficulty or doubt . How much is a good question, certainly not to much may be better than not enough but that’s our task to work it out for you...
Q What is this thing called Redundancy Insurance?
A Redundancy Insurance has become a very topical subject in today’s marketplace. OneSure can provide several options for you and you do not have to have a mortgage to get the cover.
Redundancy used to be an option that most people did not consider hugely important but of course in today's market it is a major talking point with many people.
Enquire with OneSure and they will advise you of the options.
Mortgages.
Q How do I know I have the best deal with my bank?
A You don’t because your bank will only offer you terms that they can offer and that might be the best for them but not for you. Before you ask your bank about renewing your mortgage seek some impartial advice from OneSure. It costs nothing to ask.
Q I want to buy my first home but everyone says it is out of reach?
A One of the key bits of advice we can give is don’t listen to often uniformed opinion or read newspaper headlines.
Yes it is a bit more difficult than a few years ago, but providing you have a realistic goal in mind it is achievable .
What you need to do is to sit down with OneSure and work out a plan that works for you so call us now.
Q What will happen to interest rates?
A This is one of the areas that we all are left wondering about. Everyone from the economists, the Reserve Bank and even the Prime Minister hold different opinions.
However experience has shown that certain trends emerge with interest rates and we can discuss what your best options may be taking these into account. It only takes a call.
Q I never seem to clear my credit cards and hire purchase debt can you help?
A Yes we can and rest assured you are not alone. One of the biggest challenges facing families is managing personal debt. With the pressures of raising children and general living costs it is easy to build up debt some of which may be over 20% on a credit card.
There are a number of options available to use you home equity to lower the cost of debt. Provided you do not have an impaired credit rating we are confident we could help you save a significant amount of money.
Wills and Trusts
Q What is a Trust ?
A A Trust is a legal entity that can own assets and offer protection from possible claims that can arise through relationship issues or business dealings. They have been around for many years but only recently have become affordable and are now used extensively to protect the assets of people from all walks of life.
Q Who should have a Trust?
A Simple, every adult who has an interest in protecting what they have now so unwelcome family members or greedy creditors do not get what they do not deserve.
Trusts used to be seen as the domain of the wealthy or over fifties but not into today’s society.
Q Who provides the advice?
A Our in-house Trust expert has over 20 years experience in the Trust business and is recognized as one of the leading commentators in the industry. He will sit with you, discuss your situation and provide recommendations tailored to suit you in particular. Because of this all our client reviews are conducted in our North Harbour Head Office.
Q Do I need to see my Lawyer /Accountant?
A We work closely with lawyers and accountants and never hesitate to seek advice from them when needed to provide the best solution for the client. However we believe our experts are often more knowledgeable in their area of expertise than most other professionals.
Q Is it expensive?
A In short the answer is no. Yes you could find a cheaper option on the internet but a dollar saved today may cost you a lot more in the future if you don’t put in place the right plans.
The cost will depend on the extent of the services provided. Before you are committed to any costs you will receive a detailed estimate so there are no surprises.