UProtectNZ Insurance Services Limited - Millwater
Is Your Life A Game Of Chance? Call An Insurance Adviser You Can Trust - Uprotectnz.com
Call the insurance adviser Orewa & Silverdale home & business owners rely on for security & peace of mind. Life shouldn't be a game of chance. Ph 09 5288724
About UProtectNZ Insurance Services Limited
How Does Total And Permanent Disability Cover Work?
There are two different definitions of total permanent disability insurance: the Own Occupation definition means that the total permanent disability sum insured will be payable if you are totally and permanently unable to ever do the specific type of job you were employed in immediately prior to becoming disabled – even if you could do some other type of job. This definition is particularly valuable form of income protection and compensation for those in very specific areas of professional, executive or trades/manual work.
The other, Any Occupation definition, will pay out only where one is unable to undertake any work as a result of one’s total permanent disability. As there is a lesser likelihood of pay-out with this form of total and permanent disability cover than with the Own Occupation definition, we recommend always taking up the Own Occupation definition.
Contact UProtectNZ Insurance Services Limited
| Address : | UProtectNZ Insurance Services Limited 391 Millwater Parkway, Millwater, Silverdale 0932, New Zealand |
| Phone : | 📞 +789 |
| Postal code : | 0932 |
| Website : | https://www.uprotectnz.com/ |
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Bozenka Vondruska on Google
★ ★ ★ ★ ★ Theo, you absolutely ROCK! Thanks so much for your help and advice. I find insurance extremely confusing so your help is much appreciated. You’ve really put my mind at ease and I feel so lucky to have someone that I can trust to help me with this. Also, thanks for getting back to me so quickly. You’ve done a really fantastic job and it’s comprehensible to the point that reading through it is actually enjoyable! Thanks again for all your help. It's really relieved my stress levels to deal with someone I know I can trust, and who has the knowledge and patience to take me through all that stuff.
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Andy Schmidt on Google
★ ★ ★ ★ ★ Theo is passionate about making sure you have the right cover for your particular circumstances, for you and your family. He is also very helpful when it comes to claim time, to take the stress off dealing with the insurance companies. Theo is also a great supporter of community events. I can't recommend his services highly enough.
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Alexios Kavallaris on Google
★ ★ ★ ★ ★ Theo of UProtectNZ Insurance Services has been our insurance adviser since 2015. He is an excellent listener and we appreciated the effort he made to clearly understand our situation, risk exposures and needs, before working with us to tailor an insurance protection plan that best meets our needs, at a cost that is manageable and sustainable.
We have found Theo to be meticulous in undertaking his analysis and preparing informative reports that provide clear recommendations, as well as a thorough explanation of the reasoning behind those recommendations. He explains the key details of the policies he is recommending so that we have a firm understanding of how the insurances work.
Theo’s ongoing service is exceptional, he is with you all the way in helping at every opportunity, and we are delighted to have him as our insurance adviser. We recommend him for all your insurance needs.
Alexios Kavallaris & Vasiliki Kakava, Hamilton
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Ilan Wittenberg on Google
★ ★ ★ ★ ★ Theo is a professional financial adviser and an excellent insurance adviser. Theo took time to study my current financial situation, the policies which I already had in place and future requirements that my wife and I described. Theo wrote an extensive paper describing our options and offered a few recommended alternatives. As a result of his efforts we now have a better coverage and with better value for money. I highly recommend Theo to give you an honest and clear assessment with optimal coverage for your specific needs!
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Emily K on Google
★ ★ ★ ★ ★ We were referred to Theo by our Accountant, and have had him as our Insurance Broker for close to 2 years now, could not recommend him highly enough.
He produced an in-depth report for us to go over (don't let it put you off if you're not a big reader - the recommendation is very straight forward!), met with us to discuss, and gave us a great recommendation of a company we would not have chosen by ourselves as they were not familiar to us, but have turned out to be extremely good to us when we lest expected it.
He has helped us put in place medical, life, total disability and mortgage repayment insurance, plus guided us through a better ACC policy for self-employed.
As a self-confessed control freak, I find it hard to put the trust in other people to handle things for me but Theo has proven himself ten-fold, always has time for us and is always ready to help.
Would recommend and refer to anyone.
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Kerrie Gregory on Google
★ ★ ★ ★ ★ Theo has been our insurance advisor since 2013, and we have found him excellent to deal with. Insurance is not something most of us like to spend much time on and Theo makes this process easy. He is incredibly knowledgeable and provides comprehensive advice in an easy-to-understand way. Theo is proactive and always completes annual reviews to ensure the insurance cover we have is still fit for purpose. He’s a nice guy and seems to really enjoy what he does. I highly recommend him.
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Fiona Bailey on Google
★ ★ ★ ★ ★ We have used Theo as our Insurance Broker for 10+ years. We have found him to be extremely professional and efficient. He really works for his clients! Any questions or communication with the Insurance company is dealt with by Theo in a timely fashion.
Recently we had a claim on our Trauma insurance and Theo dealt with all of this for us. He advocated for us and kept on the back of the Insurance company to get a positive outcome for us. During stressful times he is a calm and efficient advocate for his clients. Theo goes above and beyond and we can't recommend him enough. Ross and Fiona Bailey
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Ash Dando on Google
★ ★ ★ ★ ★ UProtectNZ was recommended to me through an associate of mine. I contacted Theo as I wanted to review all my insurances, eliminate wastage and identify holes in my coverage. He met with me and we went over all the details, and he put together several options, with detailed explanations of the pros and cons of each option. He blends objective information with recommendations, leaving room for the customer to make up their own mind, but helping them do so. A polite, respectful and highly knowledgable insurance expert, Theo is very adept at making insurance less complex & confounding, and takes time & care in making his correspondence clear and accurate. A very positive experience - I highly recommend UProtectNZ.
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