BRAVEday Answers Some Faq's On Insurance

The BRAVEday philosophy stresses the value of client relationships and the importance of the team, where everyone is involved in solving their clients’ problems, and giving their clients the tools to enable them to make informed decisions on how to protect themselves, their families and their businesses. To this end, they have a ‘Frequently Asked Questions’ page on their website to assist people with their professional experience and knowledge.

One of the most frequently asked questions is, “What do I have to tell the insurer when I am filling in my application form?” The BRAVEday team advise that all questions must be answered fully and honestly, considering the importance of the ‘catch all’ questions which normally ask for information on 'any other illness or ailment not already mentioned’.  This gives people the opportunity to think of anything that they haven't already disclosed or any medical problem that hasn't already been covered with a question. As the BRAVEday team say, “When in doubt always disclose!  It is far better for the insurer to have too much information than not enough.”

Another question they come across on a regular basis is, “What happens if I apply for my insurance and then a few months later remember that I forgot to mention an illness or injury that I have?” BRAVEday advise that the best thing to do here is to contact your adviser or the insurance company straight away and give them all of the details in writing.  The insurer will then assess your cover based on this new information and may need to amend the terms, and this will depend on when the illness or injury happened and what the illness or injury is.

Many people ask how do they know which insurance company is the best one for them and again, BRAVEday recommend using an adviser.  An insurance adviser has specialised knowledge and can advise people on which product will best suit their needs.  They can also help to identify what a client’s needs might be and they can arrange with the insurance company to put the correct cover in place.  At BRAVEday there is the added benefit of CLAIMS where they handle the process for their clients and are there for them when they are needed at claim time.

At BRAVEday they don’t just sell insurance but provide a complete service from the first meeting right through to claim time. As they say, you won’t see them at their finest until it is time to make a claim. They turn claim day into BRAVEday and that is what they are there for. For more information please go to www.braveday.co.nz .