TGN Policy Anniversary Update

I have a duty of care!

Please could I ask you to complete the form below to ensure your current cover is still valid and thank you for helping me to fulfil my duty of care.

Referrals

If you do feel comfortable making referrals or intros to me, I'd like to thank you with a $250 gift voucher for life insurances and $50 for Home and Contents at my discretion for successful intros, this is the only marketing we do.

We strive to provide you with excellent service and hope that you feel that you are being well looked after, naturally please do let me know if you feel we could do better.

A SPECIAL OFFER - we pay some of your premiums...

Insurance is closely linked to Climate Change in many ways - both physically through property, injury and mentally through the impact it is having on people's lives, particularly our children.

As a part of our role as Financial Advisers and being passionate about the future, TGN have partnered with Kiwi company Carbonclick.com, who provide high-quality offsets.

It is going to take robust action to turn back CO2 to 1990 levels, so we want to work with you as individuals and families to help offset your Carbon Footprints.

STEP 1 - GO to our calculator - https://tgn.carbon.click/

STEP 2 - Work out your footprint - very easy

STEP 3 - Work out which package you would like

STEP 4 - Talk to us about how we can help you pay for it going forward

If you are prepared to commit to offsetting your individual carbon footprint, TGN - 'The Green Network' - is happy to help you by providing a discount on your insurance premiums. See below to opt in.

Thank you.

Kind regards,

George Bayley | The Green Network

m. 029 4367432

email - george@tgn.co.nz
RECOMMENDED NEW COVER an easy and valuable add-on to your existing policy - SPECIFIC INJURIES BENEFIT

*Recommended new cover - Asteron Life have introduced a NEW lump sum cover which we are recommending you add to any existing Asteron Policy - it covers you for 'Specific Injuries' you may incur and pays up to $5,000 pm in multiples of up to 60 months for the worst injuries. So great for broken arms, legs (1-3 months) all the way up to Paralysis (60 months). I have attached a flyer with further information.

This cover is easily the most likely that you will claim and very worthwhile to avoid financial hardship when suffering from an injury.

It is very cost effect at under $10 pm for anyone and there is no underwriting to go through. This is a great way to have some protection should you be injured at any stage and is paid on top of any ACC you may qualify for. So I think it is a good thing and well worth doing. All you need to do is fill in this form and send it back to us - To apply click here

Real life example- “Donna” is a solicitor and one of the principals in her firm. She’s passionate about her career and horse riding. One day, Donna was cleaning out the stables and her horse kicked her. She fractured her pelvis and she was off work for four weeks.

Unfortunately, this wasn’t a long enough time to trigger her Income Protection cover. Luckily, she had the Specific Injury Support Benefit – Lump Sum. With this extra cover, Donna was able to receive immediate payments for her injury. This extra monthly income let her pay her colleagues to cover her workload while she healed.

Donna is a high-income earner. This means her weekly ACC compensation was capped and didn’t cover anywhere near her full income. But she didn’t need to worry about that. With the benefit in place, she was able to relax and recover without any financial stress. It also allowed her husband to take time off work to take care of her at home in the painful early stages. If you'd like to know more about this benefit click here.

To apply just fill out and sign this form and return it to us.

NEWS

TGN Advisers also offer investment advice, Kiwisaver and retirement planning and general insurances including a full suite of business insurances to existing clients. As well as lifetime cash flow planning and all personal insurances. Please make a time if you'd like to discuss any aspect of the services we offer below or give me a call. Click on the following link if you'd like to lock in a time with George or one of the team - click here

BEST DOCTORS - This is a GREAT service available to Asteron Life trauma and income protection policyholders and their extended families (Parents in Law included!) FREE of CHARGE, it adds some amazing value to your existing policy.

It is a comprehensive virtual care program with a simple entry point -
- GP consult - discuss your medical question with an NZ GP via phone or email, within 24 hours
- Expert Medical Opinion - An in-depth review of any physical condition by leading global experts to help you better understand your diagnosis and treatment options
- Mental Health Navigator - An in-depth review of your mental health condition via Telehealth by a team of leading New Zealand registered experts and ongoing support from a mental health nurse
- FOR yourself, your partner, your parents, parents-in-law and children see this illustration for clarification
Please, please, please talk to me about BEST DOCTORS. I have had one client who escaped invasive surgery due to a review of her diagnosis prior to committing to surgery, which was naturally a huge relief for her PLUS another person has come off drugs she thought she'd have to take for the rest of her life by having a simple procedure, these are two of many cases colleagues and I have experienced and heard of and the benefits have come about purely through using these services.

Just imagine being able to access the best doctors, specialists in their fields in the world for you and your extended family at the click of a button for FREE, if you hold a trauma or income protection policy with Asteron Life you qualify automatically... to find out more click here to see a Powerpoint explanation or you can book a time above. HIGHLY RECOMMENDED if you or your family have a health issue remember to use this service... just phone 0800 425 005 or www.askbestdoctors.com to access.

SOUTHERN CROSS MEMBERS - remember to use these great FREE services as a part of your Membership

https://www.southerncross.co.nz/society/for-members/benefits

Members qualify for FREE GP consults with CareHQ - try it it's a great service and with Southern Cross it's free for now. Also they are offering

Annual health check with MedPro - free
Mental Health Session with Raise - free
Access to unlimited online GP consults with CareHQ - free
UPDATES - Medical Insurance - do you have pre-existing medical condition/s that you would like covered under a Medical Insurance Policy?*

Yes I would be interested to know more about how my pre-existing conditions could be covered by Medical InsuranceThanks, but I / we are all good currently
KidSmart is a neat Medical insurance product from Accuro which allows you to insure children on their own policy, they do not need to be a part of an adult policy - it can include specialist and tests AND it includes $500k of Non-Pharmac subsidised drugs... monthly premiums are $43.08 as at 08/21. Would you be interested to hear more?

Yes, please send further information on Accuro's KidSmartNo thanks
TGN has partnered with Carbonclick.com as above, would you like to talk to us about us helping you pay to offset your household Carbon Footprint through a discount on your insurances?

Yes I'd be interested to learn more please contact me in this regardNo thanksOther
Name*

First NameLast Name
Email*
example@example.com
Phone Number*

Area CodePhone Number
Do you have any exclusions or loadings on your current cover that you wish to review? If we consider them to be reviewable we will usually have indicated these in the email you received with the link to this form -*

YesNoI'm not sure please contact me to discuss
1. Change of Circumstances

Please check the list of circumstances below and indicate any that apply to you -
Change of circumstances check list - If no changes, tick the last box, otherwise 'Have you:*

Increased or decreased your mortgage?Changed homes?Entered into a new relationship?Separated from your partner or spouse?Had more children?Had a child turn 6, 10, 14 or 21 or leave home in the past year? - important as can add additional Kids Cover with no underwriting - we will contact you to arrange this if you take this boxEstablished a family trust?Changed occupations?Had a pay increase / decrease?Accumulated a sum of money that enables you to now push your income protection wait period out to a longer date, thereby lowering your premium?Stopped smoking?Had a change of health that may trigger a removal of an exclusion or loading on your insurance?Retired or stopped working?Transferred the ownership of your home or other insured assets to a family trust?Changed from salaried employment to being self-employed?Become a non-PAYE shareholder or shareholder employee?Changed your goals or have new family aspirations?Started or stopped other insurance policies – including any group schemes and medical insurance?Been hospitalised?NO CHANGES, I/We confirm that there have no changes in my/our circumstances as listed above or any other matters that I/we believe would influence my /our insurance requirements. Therefore, I/we confirm that I/we do not wish to engage with TGN Advisers with regard to our personal insurances at this time, as I/we are comfortable with our current cover.
Please could you provide details of any 'changes in circumstances' you have indicated above, most importantly increases/ decreases in earnings or expenditure, and any health or family changes over the past year. The more information you provide us with the better we can manage your ongoing insurance needs, keep costs down and benefits suitable to your circumstances. Thankyou -
Please provide any further information that has impacted on income and expenditure since we last built your life time cashflows here
Would you like make a time to discuss your personal insurances?*

Yes, please can I/we make a time to catch up about the changes above or other mattersNo thank you
Thank you for indicating you'd like to catch up - please make a time for a phone call or Video meeting with me below and I look forward to catching up -
2. Confirm Details

Please confirm the following details for us to ensure our files and your lifetime cashflow graphs are up to date, please put a '0' or 'N/A' in the required fields if they don't apply to you -
Please confirm current address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Name Person 1*

First NameLast Name
Salary Person 1 current salary/ income*
Kiwisaver balance person 1*
Name Person 2*

First NameLast Name
Salary Person 2 - current salary/ income*
Kiwisaver balance person 2*
Current value of home*
Current mortgage debt*
Would you like us to send through an update of your life time cashflow graphs?
3. Inflationary Indexing and Rate for Age increases

Please instruct us if you wish to stop your insured benefit increasing in line with inflation this year. This will reduce or stop any premium increases. See below for the details. This is quite a complex area, if you'd prefer to talk this through please make an appointment above at question 1.

Each year your insurer sends you an Anniversary letter for your insurances, to inform you of the premiums for the following year.

There are two components to this, the first is age related and this is where we use ‘Level Premiums’ where appropriate to offset these rises, the second is CPI or Inflation Indexing the design of this being to ensure that the purchasing power of your cover keeps pace with inflation over the years.

However, you do have a choice with Inflationary Indexing, you can choose to turn them off until such time as you decide to turn them on again or you can choose to turn it off each year, one year at a time. You can even turn specific benefits on and off as you wish.

If you wish to change how your benefit is being indexed click here and submit how you wish to instruct your insurer with regard to Inflationary Indexing.

Suffice to say, that if you wish to accept the CPI increase, and any rate for age increases then you do not need to do anything.
Please confirm if you wish to accept Indexation (CPI) increases to your insured benefit*

Yes I/we accept the increased benefit and premium as per my anniversary correspondence from my insurerNo I/we would like to decline the increased benefit or rate for age increases (when you Submit this form you will be taken to a new form where you can confirm your instruction in detail ) - for peace of mind we will always be in contact to confirm the details as it can be confusing
4. Special event increases

Special events allow you to increase cover without underwriting, which can be very important for people who have developed health issues - events such as marriage, divorce, birth, death, new home loans, pay increases, a child starting secondary or tertiary education, plus every 5th policy anniversary. Also Kids Cover can be increased by $10k without underwriting for $1 pm at each of the their 6th, 10th, 14th and 18th birthdays. Please indicate below if you'd like to discuss.

Please give George a call if you have any questions on 029 43 67 43 2
Special event increases -*

Yes I/ we would like to discuss Special event increases please can we make a time to catch up about themNo I/ we do not need to discuss Special event increases at this time thank you
Thank you for letting me know that you'd like to discuss Special events increases, please make a time that works for you below and I look forward to catching up - George ps if you have already made a time just disregard this :-)
5. Remember if you have Income Protection insurance - Mortgage and Living Cover, Workability or Loss of Earnings - as long as it is not Agreed Value it is tax deductible. Would you like some guidance on this? Here is the link to the IRD info on how to claim - https://www.ird.govt.nz/income-tax/income-tax-for-individuals/types-of-individual-expenses/claim-non-business-expenses (just copy and paste into another browser window)*

Yes please contact me to clarify if I can deduct my income protection premiumsI confirm that I am claiming in my tax return - we will check your eligibility so please let us know if you are claiming generally only Agreed Value products can't be claimedI don't currently have income protection but I'd be interested to discuss itThis does not apply to me / us
6.Do you have a current Will/s   Yes   No*
Do you have current Enduring Powers of Attorney   Yes   No*
If you do where are these held - it is very helpful for your advisers to know this in case the worst happens - please let us know
If you need a Will or an update we recommend Perpetual Trust. These documents are key documents in the management of effective insurance planning, if you would like us to refer you, please indicate here   Please refer me/us to Perpetual Trust  No thanks I/we am/are comfortable that my/our current Will/s and EPA/s is/ are up to date*
7. Review or Quotes for Other Insurance Requirements - Would you like us to contact you with regard to any other insurance or investment requirements, please tick if you would or you can go direct to our website and make the application - www.tgn.co.nz/applications*

Investment AdviceKiwisaver AdviceRetirement PlanningBusiness Insurances - Property, Liability, Cyber, Motor, Speciality...House and Contents InsuranceVehicle InsuranceMedical InsuranceNo thanks
Thank you for letting me know that you'd like to discuss other insurances, please make a time that works for you below and I look forward to catching up - George ps if you have already made a time just disregard this :-)
TO MAKE AN APPOINTMENT to discuss your insurances or investments please CLICK HERE

OR phone 0800 51 00 44 or email admin@tgn.co.nz to contact the team

You will be provided with a copy of this form for your records
9. Testimonial for a $50 voucher but only if we deserve it...

I do cringe in asking but if you would be prepared to do a testimonial for TGN I would be more than happy to say thanks with a $50 Gift Voucher. No worries if not, all we do is put the text and your name and city underneath on the testimonials page of our website, it just helps people know that real people really do use our services and find what we do useful… even better is if you a prepared to provide a testimonial on our LinkedIn or Facebook page, the links are our web page... to say thank you for social media testimonials I will donate a tree in addition to the $50 voucher https://grow.treesthatcount.co.nz/ in line with our focus on a carbon constrained future
Please write testimonial here, and thankyou ...
I / we confirm that we grant TGN permission to use our first names and surnames and the city we come from underneath the testimonial we have provided above in TGN's marketing material including it's website - (you may of course withdraw this permission at any stage) - if this isn't your thing please just say 'No thanks' many thanks, George -*

Yes, I / we agreeNo thanksPlease call we / I would like to discuss this further
9. Introductions to TGN - I know that it is not easy but I just wanted to say that it is a great feeling when a client introduces a friend or family member to us as it is perhaps the greatest validation that the work we do for clients is making a difference, and I guess we all like to be valued.

As discussed in the introduction above we believe you'd be doing a good thing in helping more people be properly insured, as many aren't and having level premiums can make a huge difference as people are more likely to have cover when they actually need it at 55-70 years old when things tend to go wrong health wise, instead of cancelling it in their 40-50's as it becomes too expensive, so in order to encourage you to make introductions I am offering a $250 gift voucher to say thank you for making the effort, this is at my discretion but suffice to say we would be humbled to look after anyone you introduce to us, and this is just a small way to say thank you for making the effort.

To make the process as painless as possible, this is how I suggest we make this work -

Step 1 – we like to take a personal approach, so we ask you to arrange a time with the person/ people you are introducing for us all to have a coffee, or a quick Zoom meeting together whichever is easier. The idea is that you can introduce your friend to us properly which allows them to feel comfortable about meeting and working with us and then we will make a time to have a financial review meeting with them if they wish to. Here is the link to make a time https://calendly.com/insurances/15min for us to meet together.

Step 2 – George sends you a voucher for $250 as discussed above.

Here is the link to make an introduction to us - https://calendly.com/insurances/15min
10. Would you be prepared to introduce someone to George?*

Yes I'd like to introduce someone to you GeorgeYes I can think of someone but would like to talk them first so hold off contacting them until I give you the go aheadYes I'd like to at some stage but can't think of anyone right nowPlease give me a call and we can talk about thisNo thanks, love what you do but referring isn't really my thingOther
Name of the person you are introducing

First NameLast Name
Email of the person you are introducing
example@example.com
Phone Number of the person you are introducing

Area CodePhone Number
Some details about the person I have intro'd eg. their relationship to you? when they would like to be contacted? how to contact them? do I need to send them any information, any other background I should know before calling or emailing them?
11. You have indicated that you wish to have an exclusion or loading on your current cover reviewed by the insurer. To do this please could you complete a new Medical Information Consent form and a Musculosckeletal Questionnaire they should only take a minute, the links are in the email you received for your Policy Annual Update.
THANKYOU for completing your Anniversary Review form we will be in touch shortly if there are any matters that require attention. The main thing is that you feel like you are being well looked after... and of course that we meet our Duty of Care to you.

The TGN Team
One final last thing we are required by legislation to provide this document to you, it is important, please have a quick read of it and indicate below that you have done so ... I must apologise for all the red tape but this is the world we live in...

Click here for the latest copy of our 'Working with TGN Advisers', we provide this to ensure you understand how we work together.
I confirm that I/ we have read and understood the 'Working with TGN Advisers' document -*

First NameLast Name
Date*

MonthDayYear
Date
Should be Empty:

I have a duty of care!

RECOMMENDED NEW COVER an easy and valuable add-on to your existing policy - SPECIFIC INJURIES BENEFIT

SOUTHERN CROSS MEMBERS - remember to use these great FREE services as a part of your Membership

1. Change of Circumstances