Cover myths, sorted.
Only pays out when you pass away?
Not always. And it can be built around your budget.
Cover varies by policy. Free advice, paid by the insurer.
Start your All Good Check.
- Free advice. I’m paid by the insurer, not by you.
- A quick intro call first, usually the same day.
- Then two video calls, wherever you are in NZ. Partners welcome.
How the All Good Check works.
Three easy chats. No jargon.
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A quick intro call.
I’ll give you a ring at the time you pick. Ask me anything, including whether this is worth your time.
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Video call one: getting to know you.
What matters to you, what you can comfortably spend, and any cover you’ve already got.
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Video call two: your options, explained.
I walk you through what I’d recommend and why, in plain English. If you want to go ahead, we can apply together right there. If not, that’s completely fine.
Worth knowing.
Things I end up explaining on most calls.
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Not all cover is life cover.
Trauma cover can pay out if you’re diagnosed with a serious illness, and income protection can help if you can’t work. Cover varies by policy.
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It can be built around a budget.
We start with what you can comfortably afford and work from there. No prices on the form, and no pressure on the call.
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You choose what you keep.
You don’t have to take everything. Some people start small and add to it later.
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My advice is free.
I’m paid by the insurer. You won’t be charged for my advice, even if you decide not to take any cover.
Why me.
I’ve been on both sides of a claim.
Three weeks before I became an adviser, I lost my stepdad suddenly. His work had cover in place, and it kept my mum okay through an awful time. That’s why I do this, and why I keep it simple and real.
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Straight answers.
Ask the awkward questions. I’d rather you understand it than nod along.
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I keep it super simple.
No jargon. If I say something that doesn’t make sense, that’s on me. Ask away.
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No pressure.
You get my honest view. The decision is always yours, and "I need to think about it" is a perfectly good answer.
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I stay with you.
Reviews, questions and help at claim time. You won’t get passed around.
Meet your adviser.
Hi, I’m Callie.
"I hear the myths all the time, and I get why. Let’s have a chat, I’ll give you the straight answers, and you can make up your own mind."
Callie Coetzer Financial adviser, All Good Financial Services
From the first call to claim time, you deal with me.
Fair questions.
Ask me anything else on the call.
Doesn’t cover only pay out when you die?
Life cover does, but it’s only one type. Trauma cover can pay out if you’re diagnosed with a serious illness, and income protection can help if you can’t work. Cover varies by policy.
Isn’t it too expensive?
It doesn’t have to be. We start with your budget and build from there. If nothing makes sense for you right now, I’ll tell you.
Is it really free?
Yes. I’m paid by the insurer if you take out cover, so my advice doesn’t cost you anything. If you decide not to go ahead, you still won’t pay a thing.
I’ll explain exactly how I’m paid before you decide anything.
Will you push me into something?
No. I’ll tell you what I think and why. What you do with it is up to you.
Can my partner join?
Absolutely. Cover decisions are usually made together, so it helps to have you both on the call.
Why don’t you ask about my health here?
Health questions are personal, so I’d rather go through them with you on a call than on a form.
Let’s have a chat.
Straight answers, then you decide.
Start your All Good Check. Free advice, paid by the insurer, and no pressure to do anything afterwards.
LET’S CHAT