Insurance made easy
Is specialist advice really necessary?
Mr Brown purchased accidental death cover online, after receiving a printed mailer. Unbeknown to Mr and Mrs Brown the cover was for accidental death only. After years of paying premiums, when Mr Brown died of a heart attack Mrs Brown was not entitled to claim under the policy, and found herself in financial stress, ultimately having to sell their family home.
Mrs Higgins had life cover. However, the policy was owned by her ex-partner Mr Higgins. They divorced in 2001 and Mrs Higgins remarried but forgot to check the conditions of her life policy. When she passed away in 2014 the policy was paid out to her ex-husband, much to the distress of her current partner with whom she had considerable financial commitments.
These distressing situations can be avoided. Always get advice when investing in insurance products.
Delray Group is here to help.
Delray Group is committed to long-term relationships with our clients. Regular reviews make sure you are covered for exactly what you need. We can help you address all the necessary ‘what if’ scenarios to ensure you are appropriately covered, and will work in with your existing insurance products where possible.
How to get a better experience when insuring
Review your insurance cover.
We pride ourselves on educating our clients about insurance, giving you the facts to make an informed decision.
Understand your policy wording.
If in doubt talk to us. We can give you a 'plain-English' overview of your policy. Understanding how policies function and work will give you the confidence to know you are correctly covered.
Check exactly what you are covered for.
Some consumers buy an insurance product for 'x' but end up getting 'y'. Always ask exactly what you are covered for.
Delray Group’s focus and speciality is insurance. If you want an expert who will work with you to understand your needs then we would love to hear from you.
Insurance is all we do - it is our core. You can be confident in the knowledge that we have the expertise and the passion to ensure you receive the best service and a personalised plan - maximum cover at the most competitive price.
And what’s more … we can provide service, advice and support at claim time too. We support our clients for the long-term.
More on our products...
When was the last time you reviewed your cover?
If you purchased medical insurance ten or twenty years ago, it may not have kept up with medical advancements or changes in the medical industry.
Also, medical inflation is approximately 8-12% per annum, so it’s important to ensure you have enough cover in place. Some insurance products can still result in a shortfall of cover, even if marketed at 100% cover.
There are now a raft of non-surgical procedures, for example MRI and CT scans, chemotherapy, radiation and cobalt-60 therapies, plus a dizzying array of drug options available.
Does your insurance product give you access to treatment that is not publicly funded?
For example, Medsafe is a government body that regulates medicines in New Zealand but does not fund them. The Pharmaceutical Management Agency (PHARMAC) decides which drugs are government funded. Many find this confusing and complicated when trying to access particular treatments. We excel in providing you the right insurance advice and the right insurance product.
Getting the right advice is crucial, as the older you get the more valuable the policy becomes. Managing your premium investments as you get older is part of our service.
Debts, mortgages, and the need to put food on the table do not go away, even if you pass away.
Make sure you can provide for your loved ones. Inadequate cover or a poorly suited policy could have serious consequences for the ones you leave behind.
At Delray Group we can help you identify your needs so as to settle on the correct level of life cover.
Maintaining Cash flow - Income Protection
If you are in business or run a household, maintaining and protecting your income is important.
One in three people will have more than six months off work due to sickness or accident during their working life. This reality makes it important to protect your income.
There are a number of great income and mortgage protection products on the market. We can find the right one for you.
How do we pick the insurance company for you?
We work closely with a wide range of insurance companies. You may have the choice of six suppliers or just one – it depends on your situation. Working with Delray Group is easy. We identify your needs and provide the correct solution for your unique circumstances.
Our business is built on honesty and integrity, where people matter most.
We have a commitment to giving our clients the best possible service which is unique to them and tailored to their personal or business requirements.
The information provided and services described in this website are of a general nature and are not intended to be personalised insurance advice. The information provided in this website is not intended to be a substitute for professional advice. You may seek appropriate personalised insurance advice from a qualified professional to suit your individual circumstances.
A disclosure statement is available on request and free of charge.