How You Can Protect Your Family And Secure Up To $3.75M* In Future Earnings So You Never Have To Worry About Money Again…Even If You Can’t Earn An Income
“Your most powerful financial asset isn’t your home or your car: it’s your ability to earn an income.”
Scott Pape, best selling author of The Barefoot Investor
Most people don’t realise it…but Life Insurance is NOT enough to protect your family’s finances by itself. What if you had an accident which left you disabled or you became chronically sick…or what if you were just suddenly out of a job? Sadly, your Life Insurance wouldn’t pay you and your family a single cent.
My name is Pierre Schroeder and I’ve been at the forefront of innovation and insurance advice in NZ for over 13 years. When your ability to work is snatched away in a cruel twist of fate like this…you need Income Protection Insurance. Since 2014, I’ve helped over 5000 Kiwis just like you, recover more than $4M in lost income for their family when they need it most.
What plans do you have for your family? Upgrading into a new family home in a few years’ time…sending your kids to the best schools and universities…helping them out with a deposit for their first home? All this would be suddenly taken away if you couldn’t work and needed personal care.
Income Protection keeps your dreams alive. You can fortify your income and keep providing for your family all the way up to the age of 70. This means you could access up to $3.75M* or more of future earnings if you couldn’t work and had to make a claim.
Ensure You And Your Family Are Taken Care Of When You Become Sick, Injured Or Disabled
Cameron had a stroke this year at the age of 46 working as an electrical engineer all of his life. He will most likely be on claim for the rest of his working life. With the way his cover was structured, His insurer will pay him on average $73,745 per year.
Income Recovered $1,401,169.73
Tom worked as a suspended ceiling installer with two kids and a wife when he got diagnosed when he was 37.
Tom has been on claim for the last 18 years and will be on claim for a further 10
years until he reaches the age of 65.
Income Recovered $937,097.98
If you’re like most people…you have an ‘emergency fund’ for the unexpected. How long would that last though? 1 month? 3 months? Maybe 6 months if you’re lucky? s if you’re lucky? Keep in mind that your spouse would likely have to stop working too so they could look after you…meaning you could lose 100% of your current income.
We know that most people live paycheck to paycheck and you could get by for a while. And the government might help with some medical expenses. But eventually…the money runs out. After that, it’s a lifetime of struggle and heartache. With Income Protection Insurance, you can rest assured your family will have money coming in to relieve some of the strain.
Don’t know where to start with Income Protection insurance? Or are you afraid you’ll be declined when you need to make a claim? Don’t worry, as your independent insurance adviser, we help you through every single step to make the process easy and get you the right cover.
We’ll discuss your requirements, then we’ll find you the right cover based on the protection you need. Our team will be with you through the entire process so you won’t be on your own when you need to make a claim either. Simply contact us and we’ll handle the claim FOR YOU. You’ll never even need to speak with the insurer directly!
Ensure You And Your Family Are Taken Care Of When You Become Sick, Injured Or Disabled
Ensure Your Family Are Taken Care Of: This is all we ever want…to ensure our loved ones are looked after no matter what. Keep providing for your family even when your ability to work is snatched away.
A Trusted Partner In Your Corner: You’ll have a true professional on your side, walking you through the process, and making sure you get exactly what you need to protect your family.
Bespoke Protection For Your Needs: You won’t get a standard ‘one-size-fits-all’ approach from us – we ensure you get the right cover based on your specific needs and situation.
Support When You Need It The Most: When the unthinkable happens, you just want to focus on getting healthy – we’ll be there to support you and ensure you and your family are looked after when you need it most.
Access To 8 Different Providers: As your independent adviser, we can give you access to the entire market of Income Protection insurance so you get the right cover at the best price.
Back-end Portal To Track Your Claim: You’ll have your own client portal where you can log in, track your claim and view the details of your coverage – we’re 100% transparent with our service.
We Handle The Claim On Your Behalf: When life happens and you need to make a claim…we handle the whole process for you so you can focus on recovering and getting back to work as soon as possible.
Ensure You And Your Family Are Taken Care Of When You Become Sick, Injured Or Disabled
Don’t know what provider to choose or what Income Protection you need? This is what we help you with at Thrive. As your independent adviser, we have access to 8 different insurance providers and their unique plans. This means we aren’t locked in to any one company and can get you the perfect cover for your needs.
Not only that, the provider you choose completely covers our fees for bringing them your business, so you never have to pay us a cent. It’s a free way for you to get professional advice, and ensure you get the right cover at the best price.
After immigrating to NZ from South Africa in 2008, I immediately started in the insurance industry. I worked for two other brokerages between 2008 and 2014…where the focus was solely on selling and ongoing service was not a priority. I knew we could be doing a better job…and helping our clients BEYOND the initial sale when they needed it most.
In 2014, I created a client focused insurance advisery that puts YOUR needs and interests first. This has been the main driver of the growth of our business, and we now manage a large number advisers as a leading innovator in the NZ insurance industry.
Ensure You And Your Family Are Taken Care Of When You Become Sick, Injured Or Disabled
April
Craig & Petro
Anoushka
April
Craig & Petro
Anoushka
April
At Thrive, we’re a fiercely independent advisery. This means we objectively compare insurers against each other so we can provide you the best offers on their policies which suit your exact personal needs.
Therefore, we’ve never been more confident in guaranteeing the top rated policy on the market and will tirelessly negotiate with insurers on your behalf to get the best policy for your needs at the best value for dollar – guaranteed!
When you have an accident and your income is at risk, we guarantee to be there when you need us the most. When you need to claim your policy, you’ll get your very own personal adviser who immediately assists you through the claims process and works with your insurer to get money in your hands as soon as possible. .
Have peace of mind knowing you are able to support yourself and your family no matter
what life throws your way.
*T&C’s apply
Ensure You And Your Family Are Taken Care Of When You Become Sick, Injured Or Disabled
Ensure You And Your Family Are Taken Care Of When You Become Sick, Injured Or Disabled
For this month only, you’ll also receive a FREE income risk assessment tailored to your exact needs (valued at $497). This assessment reveals everything you need to know about your risk profile, how much of your future earnings are at stake, and how you can protect yourself starting today. Plus, you'll get the BEST deal on your bespoke policy GUARANTEED.
Ensure You And Your Family Are Taken Care Of When You Become Sick, Injured Or Disabled
In this no-obligation consultation, our insurance experts will craft a bespoke policy designed to match your specific needs and lifestyle. Don’t wait until it’s ‘too late’… claim your session today and protect your family from the dangers of tomorrow.
Here’s a fraction of what we’ll uncover on the call together:
The 3 Step Process To GUARANTEE Up To $3.75M* Of Future Earnings – don’t risk it…taking this for granted WILL result in the loss of millions of dollars in personal income and a lifetime of struggle
What You MUST KNOW About Income Protection Insurance Which No-One Ever Tells You - Understanding this can be the difference between how fast you receive help and if you qualify to receive anything at all
The #1 Insurance Mistake We Discovered After Reviewing 1000’s Of Individual Cases Across NZ - Avoid this common error and save your family from the agony of your provider stamping ‘DECLINED’ on your claim
Your ‘Perfect Fit’ Income Protection Scheme Tailor Made To Your Ideal Needs - Finally get clarity on the power of income protection and how it keeps your family and your lifestyle secure when the unthinkable happens
Why Protecting Your Income Is The Best Investment You’ll Make In 2021 – you’ll get a personalised risk assessment and see how protecting your family and your livelihood gives you peace of mind and financial security for LIFE
PLEASE NOTE: This is not a sales call – you’ll speak with one of our insurance advisers about how you can finally start living with peace of mind. Enter your details and fill out the questionnaire below to claim your free, no-obligation session.
Thrive Insurance and our Financial Advisers can provide information and advice to our clients about their:
For Life, Trauma, TPD, Income Protection, and Mortgage Repayment insurance we work with:
For Health insurance we work with:
The tools often provided to help you choose a level of insurance (for example our online calculator) or compare policies (for example our policy comparison tools) are provided in good faith, however they are of a general nature and might not be relevant to your individual circumstance.
When you buy through Thrive Insurance , they’ll assess your personal situation and recommend a package of cover that suits you. They consider your financial circumstances – like income, assets and debt – and also things like your family situation, greatest risks, your priorities and what you want to cover for.
Life insurance policies are not all the same, and the cover types can be complicated. An adviser can answer any questions you might have about each product and how they work.
More Bespoke cover :
Buying insurance direct or online is certainly faster, but your policy will be only partially tailored to your needs.
Thrive Insurance will assess your specific situation and tailor solutions that suit your budget, the length of time you want the cover, and any existing medical conditions you may have. This will often give you more certainty at claim time.
Structuring your premiums :
Many people look for the cheapest option when buying insurance online. But life insurance premiums generally rise as you age and if you’re buying direct, you won't always know if the option you’ve chosen will be cheapest in the long term, or be sure that you’ll be able to afford the premiums in the future.
Thrive Insurance can work with you to structure your premiums in a way that will suit you now, and for as long as you need the cover - something that isn’t always possible when you buy insurance directly.
Work with any existing policies
Sometimes you might have some cover in place already, or have a policy through your employer and be looking to ‘top it up’ if your circumstances have changed.
Thrive Insurance can work with you to ensure new and existing policies will work together to give you enough cover, while minimising any overlap or duplication.
Help with claims
We all buy insurance hoping we never need it, but if you do need to make a claim it can make life a lot easier if you have an adviser.
They can help you understand the claims process and assist with your paperwork to make the claims experience much smoother at what might be a difficult time.
If you have questions about your insurance or want to arrange some cover, a Thrive Financial adviser will be able to help. .
To ensure that our Financial Advisers prioritise our clients interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's individual goals and circumstances.
Our Financial Advisers either currently hold or are all in the process of obtaining their New Zealand Certificate in Financial Services Level 5 (version 2) as a minimum requirement
They also undergo regular training, both internally and with our insurers.
We regularly review our compliance programme and internal processes.
Thrive Insurance and our Financial Advisers have duties under the Financial Markets Conduct Act 2013 relating to the way we give advice. We are required to:
Ensure You And Your Family Are Taken Care Of When You Become Sick, Injured Or Disabled
