theMillwatermag
Helping you Navigate the insurance “Black Box”! insurance adviser, who fights for their clients, can make a real difference. Recently, a female client who had previously had an abnormal cervical smear was presented with an offer of terms excluding cervical smear test abnormalities, cancer and pre-cancerous conditions of the cervix until a further three subsequent consecutive normal smear test results were obtained at least 6 months apart – in other words, the exclusion would apply for at least another 18 months! Unacceptable! I argued the case with the underwriter, advocating that the rather draconian exclusion should be removed if the client had a further smear test now and the result was normal. The underwriter agreed. A prompt smear test came back normal and the exclusion was immediately removed within 24 hours and the policy issued at standard rates! Another very happy UProtectNZ client! We love making our clients happy. It’s what we do! Theo Simeonidis FNZIM & Cristina Simeonidis UProtectNZ Insurance Services
Having a contingency plan in place for those tough financial times that may arise owing to sickness, accident, or losing a loved one, is one of the smartest and wisest decisions you will ever make.
Theo and Cristina Simeonidis are Registered Financial Advisers, living and working in Millwater, and specialising in personal and business insurances. Theo can be contacted on 027 248 9320, Cristina on 021 868 280 or email theo@uprotectnz.com. Any assistance is provided on a free, no-obligation basis. A disclosure statement is available free of charge on request.
But where to start – as it can all be a bit confusing and scary? It’s an insurance advisor’s job to work together with you to come up with a tailored plan and to see your application for cover through to completion. Once your insurance application is lodged with the insurer, it’s then assessed by an underwriter, following which your application may be either approved at standard rates, or an offer of terms provided – which may include special provisions such as exclusions or premium loadings, generally as a result of some pre-existing medical condition(s) or injury. In some cases, cover may be declined or deferred. It’s at times when the insurer comes back with exclusions, premium loadings or deferral of cover that a professional
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