Frequently Asked Questions
We understand that insurance and financial decisions can feel overwhelming. This page answers some of the most common questions we receive, helping you better understand your options and what to expect when working with Halo Advisers.
If you cannot find what you are looking for, our team is always here to help.
Getting Started
How do I know what type of insurance I actually need?
The right type of insurance depends on your personal situation, including your income, lifestyle, family responsibilities, and financial commitments. We help you identify what risks are most important to cover and guide you through suitable options.
What happens in the first meeting with Halo Advisers?
The first step is a conversation where we learn about your goals, current situation, and any existing cover you may have. This allows us to understand what matters most to you before making any recommendations.
Do I need to have everything figured out before reaching out?
Not at all. Many clients come to us unsure of what they need. Our role is to guide you through the process and help you make informed decisions based on your situation.
How long does it take to set up insurance?
The timeframe can vary depending on the type of cover and the provider, but most policies can be put in place within a few days to a couple of weeks. We manage the process to keep things moving as smoothly as possible.
About Our Advice
How do you decide which insurance providers to recommend?
We work with a range of trusted New Zealand insurers and compare options based on your needs. Our recommendations are based on suitability, not on any single provider.
Will I be given more than one option to choose from?
Yes. Where appropriate, we present multiple options so you can compare and understand the differences before making a decision.
How do I know the advice is right for me?
We take the time to explain each recommendation clearly, including what it covers and why it is relevant to your situation. This ensures you can make decisions with confidence.
Can you help if I already have insurance in place?
Yes. We can review your existing policies and provide guidance on whether they still meet your needs or if adjustments may be beneficial.
Costs and Payments
How much does insurance typically cost?
The cost of insurance depends on several factors such as your age, health, occupation, and the type and level of cover you choose. We help you find options that fit within your budget.
Are there any hidden costs I should be aware of?
We are transparent about how policies work, including any costs involved. Before you proceed, you will have a clear understanding of what you are paying for.
Can I adjust my cover to suit my budget?
Yes. Insurance can often be structured in different ways to align with your budget while still providing meaningful protection.
What happens if I can no longer afford my premiums?
If your circumstances change, we can review your cover and explore options such as adjusting benefits or restructuring your policy to make it more manageable.
Claims & Support
What happens when I need to make a claim?
If you need to make a claim, we guide you through the process and help coordinate with the insurer to ensure everything is handled correctly.
How long does a claim usually take?
The timeframe varies depending on the type of claim and the insurer, but we stay involved throughout to help keep the process moving and reduce delays where possible.
Will I be dealing directly with the insurance company?
We act as your point of contact and support you through the process, so you are not navigating it alone.
What if my claim is declined?
If a claim is declined, we help you understand the reasons and explore whether there are any next steps or options available.
Reviewing and Updating Your Cover
How often should I review my insurance?
It is a good idea to review your cover regularly or whenever there are significant changes in your life, such as a new job, a mortgage, or starting a family.
Can my insurance be changed after it is set up?
Yes. Many policies can be adjusted over time to reflect changes in your needs or financial situation.
What happens if my situation changes?
We work with you to update your cover so it continues to reflect your current circumstances and priorities.
Do you provide ongoing support after setup?
Yes. Our relationship does not end once your cover is in place. We continue to provide support and guidance as your needs evolve.
KiwiSaver and Financial Planning
How do I know if I am in the right KiwiSaver fund?
The right fund depends on your goals, timeframe, and comfort with risk. We help assess whether your current fund aligns with your long term plans.
Is KiwiSaver enough on its own for retirement?
KiwiSaver is an important part of long term savings, but it may not always be enough on its own. We can help you understand how it fits into your overall financial picture.
Can I get advice on both insurance and KiwiSaver together?
Yes. We look at your overall situation to ensure your insurance and KiwiSaver work together to support your financial goals.
Working With Halo Advisers
What makes Halo Advisers different?
We focus on personalised advice, clear communication, and ongoing support. Our goal is to make insurance simple and ensure you feel confident in your decisions.
Do you only work with clients in Auckland?
No. We work with clients across New Zealand and can provide advice remotely as well as in person.
How do I get started?
The easiest way to get started is to request a quote or reach out to our team. From there, we will guide you through the next steps.
What if I just want advice and am not ready to proceed?
That is completely fine. We are here to provide guidance and help you understand your options, with no pressure to move forward until you are ready.
Still Have Questions?
If you are unsure about anything or want to talk through your options, we are here to help. Our team will guide you through the process and make things simple and clear.