I recommend Raman at R Jay finance. Why you may ask? I judge a man by what he says first and whether his actions back that up. 5 stars from me
Insurance Brokers
At R Jay Finance we offer advice on a wide range of insurance policies to cater to the needs of our clients.
Our range of policies include income protection insurance, trauma insurance, life insurance and several other personal insurance policies. Our advisers have a policy to suit you whatever your needs. Not sure what policy to get? Call us for an insurance quote and one of our Auckland-based insurance brokers will happily contact you with the best insurance policy for your needs.
We may like to think ‘it will never happen to me’ but as sure as we are born- we will have to leave our lives at some point in time. And sometimes, the unfortunate happens and individuals die prematurely leaving family and loved ones behind. The key question is: what plans have you made to ensure your family can survive comfortably without you?
Life Cover can provide a lump-sum payment to your partner and loved ones on the unfortunate occurrence of your passing away.
Life Cover is essential for those with family, business and/or other financial commitments.
Here are some good reasons to have Life Insurance:
- Mortgage Repayments
- Day to day living expenses
- Raising children
- Protecting retirement savings
- Funeral Expenses
Q. Who really needs life insurance?
A: Life Insurance is really for those people who are financially dependent on you so it’s really important if your loss is going to impact on them financially. Whether you want to clear debts, provide for your family’s living needs or take care of funeral costs, life insurance is the way to make sure it happens.
Q. How much Life Insurance do I need?
A: R Jay advisers use a thorough fact finding process to determine your needs. It is important you get the right amount. Too little could mean the people you care about aren’t taken care of and too much could mean you are wasting money on insurance premiums.
The Startling Facts:
- On average, there is one death in New Zealand every 19 minutes.
- Every 90 minutes a New Zealander dies from a heart attack.
- In 2003, there were 18,586 new cancer registrations and 8027 cancer deaths in New Zealand
- 28% of cancer-related deaths were people aged between 25 and 64.
- One in 6 males over the age of 30 will die before they reach 65.
- One in 9 females over the age of 30 will die before they reach 65.
Living Assurance is all about survival. Are you prepared for serious illness? It’s a fact of life that we all get sick – and sometimes it can be a very serious situation. The cost of recovery from an illness like cancer or a heart attack can have a huge impact on your ability to meet your living expenses.
Living Assurance is designed to pay a lump sum in the event of you suffering one of a number of specified critical conditions.
There are a number of good reasons to have Living Assurance:
- Financial Survival – many patients survive an illness only to be crippled financially
- Treatment Expenses
- Loss of Earnings
- Protection for children
- Medical advancements
Q. How does Trauma Insurance work?
A: With trauma insurance you choose the lump sum which will be paid out to you should you suffer from any one of the conditions that the policy offer covers for. You can use the lump sum in whatever way you want.
Q. What kind of conditions are we talking about?
A: These are some of the most serious illnesses and events you can face i.e. invasive cancer, heart attacks, strokes, paraplegia, MS or Parkinsons to name a few.
The Startling Facts:
1. 52% of male cancer patients will be alive five years after being diagnosed and 59% of females.
2. Males have a two-in-five chance of suffering a critical illness between 30 and 64.
3. Females have a one-in-four chance of suffering a critical illness between 30 and 64.
4. On average, 92% of Living Assurance benefit claims are due to cancer, a stroke or a heart attack.
Life doesn’t always turn out the way we plan. Sometimes we become ill, or have an accident and, if it’s serious, we might be unable to work for the foreseeable future. How would you and your family cope if you were permanently disabled?
Good reasons to have TPD cover:
- Pay off your mortgage
- Ongoing medical expenses
- Cost of modifications to your home or work environment
- Maintain your lifestyle
- Employing best available care
Most of us insure our assets – but are you protecting your greatest asset – YOU and your ability to earn?
Just because your health suffers a setback, your financial well-being doesn’t have to. When illness and accidents leave you unable to work, disability income protection insurance can protect you from the consequences.
Disability Income Protection provides you with a monthly payment if you are unable to work, due to illness or injury, for more than 10 hours per week.
Good reasons to have Disability Income Protection
1. Unexpected illness
2. Keeping your household running
3. A chance to recuperate
4. A quick return to work or a new vocation
Q. Who needs Disability Income Protection (DIP)?
A: Your current circumstances determine this and your R Jay Finance adviser will complete a needs-analysis to determine if you need DIP. As a general rule, if your quality of life depends on your income, disability income protection is worth considering.
Q. How long can I claim for?
A: Your income protection plan will give you a choice of how long your benefit is paid for. Often the choice will be 2 or 5 years, or to age 65. The option of to age 65 offers the best protection but is more expensive than a 2 or 5 year-benefit.
The Startling Facts:
1. 50% of males are likely to become disabled due to an illness or accident before they turn 65, preventing them from working for at least a month.
2. 70% of females are likely to become disabled due to an illness or accident before they turn 65, preventing them from working for at least a month. Of these, nearly a third will still be on a claim 12 months later.
3. Over two thirds of disabilities are caused by illness – and consequently no ACC benefit is payable (source: AIA source Davis Financial and Actuarial 2005).
We choose the cars we drive, the areas in which we live and the schools our children attend – so why leave the choice of major medical care up to someone else? With private medical insurance you are in control. It helps you access the very best medical expertise at a time that suits you, and in a hospital of your choice.
Medical insurance provides a host of choices, whether you just require cover for ‘big’ items such as surgery or whether you want to include other medical costs such as specialists and GP visits.
There are many good reasons to have Medical Insurance:
1. Freedom to select the best hospitals and specialists
2. Avoid waiting lists
3. 100% reimbursement of major surgery items
4. Up to $250,000 per life assured per year
Example costs of treatment
Hip Replacement $28,000 – $29,000
Hysterectomy $13,000 – $15,000
Angioplasty $14,000 – $28,000
Prostate Brachytherapy $24,000 – $26,000
Q. Do I need medical insurance?
A: People often insure their home or car but forget to take care of their health. We don’t know what kind of health problems will affect us, or when they will emerge. Think about what would happen if you were faced with a serious health issue….. would you be able to get the treatment you need, at a time and place of your choice? If not, then medical insurance is the way to go.
Q. Can I wait until I’m older to get medical insurance?
A: It’s important to get cover while you are healthy. If you suffer a sickness or injury prior to getting covered, that condition may be permanently excluded from your cover.
Q. Some medical insurance plans offer ‘Specialists and Tests’ benefit, what is this?
A: Sometimes your health provider will recommend you see a specialist or go for additional tests. This cost of visiting a specialist and/or having tests can be covered by your medical insurance plan.
ACC Cover Plus Extra is an optional product that lets self-employed people and non PAYE shareholder employees negotiate a pre-agreed level of lost earnings compensation. This way you know exactly how much you’ll receive each week if you are injured and can’t work – whether the injury is work-related or not. If you choose ACC Cover Plus Extra, this will replace your standard ACC Cover Plus product.
Good reasons to have ACC Cover Plus Extra cover:
1. You can tailor the level of cover for lost earnings to suit your own personal circumstances, subject to ACC underwriting
2. If you make a claim, there is no need to prove your earnings, as the weekly compensation has already been agreed. This means that you may receive your weekly compensation quicker
3. You will receive 100% of the amount of the agreed lost earnings compensation until you are fit for full-time work
4. Maintain your lifestyle
5. Employing best available care
There are more than 350,000 businesses in New Zealand, and the vast majority are small-to-medium sized. Each gives its owners and their families an income, a career, security and eventually an investment to sell.
Succeeding in business is challenging enough, without having to worry about the unexpected consequences of illness, injury or death.
Are you aware of all the risks that are relevant to your business?
Protecting a business against the loss of its principal and key staff is an important function of any business insurance plan. Generally business insurance is broken down into 3 areas:
- Replacement of Labour / Key person protection
- Self Employed Income Protection
- New to business or Business Continuity Cover
Q. How do I know what insurance cover I need in my business?
A: R Jay Finance advisers are specialists in getting to know your business and the associated risks. By sitting down with you, they will be able to make recommendations to ensure the continuity of your business in the event of adversity.
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I just love the service they provide. Raman is very dedicated and humble. Always ready to help and get things in your favor.
Thank you Ramon and Team for the top service to get loan approved for our first home. I would highly recommend your service to my friends in future. And really appreciate the efforts you put for your customers. Keep up the good work.
We are hugely grateful to Raman for his commitment and solid advice, both financially and in relation to purchasing our first property. His input has been invaluable to us .He would inform us of every possible option and was very thorough with his explanation. We would recommend Raman to anyone and couldn’t have done the process without him. Thanks so much for your help Raman.
What an amazing team. Raman and his team surely care about their customers and go the extra mile for them. Well done RJay Finance...you guys are brilliant
Raman, along with his team members were phenomenal. From my first contact with Raman and R.J finance I was impressed. They all worked very hard to help me buy our first home. The entire process from initial application to loan closure was smooth, quick, and easy to understand. They explained anything we had questions on and made us feel like their number one priority! We will definitely use R.J finance in the future for any mortgage needs ! Also I would definitely recommend anyone to you. Thanks!
Excellent service! Very prompt response and great follow up. Highly Recommended.
Probably one of the best place to get complete solution. Very helpful team well done Raman and the team.
Brilliant service provided by Raman. I am really happy with his services. I would love to recommend to other people.
Awesome service by R Jay Financial Services. Raman helped us to sort out our mortgage and guided us at every step. Will look forward to use their other services in future. Would highly recommend to all.
Came to know about RJ Finance through one of our friend. Booked an appointment about out Mortgage, they were very professional and helped us right through and fixed our Home Loan at really good rate . We end up getting content insurance,life insurance through them as well and saved $$$$. Won IPad in one of their promotion. Thank you for your exceptional service.
Awesome job by Raman by sorting out our mortgage and getting us in our first home. We trust Raman with all of our family mortgage and insurance needs. You made this experience absolutely comfortable. R Jay Financial Services Ltd. team made my experience really comfortable by taking care of all my financial needs. Highly recommended to all
Absolutely love Raman's service...always on time and always efficient & helpful. Raman answers every query with honesty & explains everything in detail. He manages our mortgage and insurance and we couldn't be anymore satisfied. Highly recommend RJ Finance.
Awsome service provided. These guys are 2nd to none. We are definitely getting our next mortgage from Raman and team, again and again.
Very easy to deal with R Jay Financial Services Ltd. One of the best Company in Auckland
Great job done regarding our insurance and I am happy to recommend Raman to my families and friends. 5 stars from my side.
Had excellent service, very friendly and easy to work with.
Awesome service better than most companies I have used. Recommended to everyone
Raman is a very reliable person, very informative and goes out of his way to sort your every issue . Excellent service
awesome company and very good person. great services and experience man with a very good attitude..
Professional and honest opinion. 5 Star service.
Let our experts shop around for you and save you time and money. To Maximize your Investment
Raman Chauhan
Raman Chauhan started R Jay Financial Services Limited in July 2012, his main motive is to create the awareness that in the outer world or Mortgage and Insurance there are heaps of option available to the people which he proved right with this services and skills. With 7 years of combine experience in insurance and mortgage industry he knows all the in and outs of the business.
Since he started R Jay Financial services he never looked back and his business become highly successful business with the vast number of clients joining their ever so expanding client base.
Raman Chauhan started from Wanganui and then he moved to Auckland to grab the bigger share of market and to explore his opportunities.
Very informative and helpful person, you will love to talk to Raman about any of your needs regarding Mortgage and Insurance, I bet you will remember that life changing conversation.
Raman Chauhan is specialist in Home loans, Business loans, Commercial loans and all Personal Risk insurance like Life, Trauma, Health, Income and Mortgage protection Insurance.
- Email: raman@rjayfinance.co.nz
- Mobile: 0211509413
- Landline: 09 281 2866
Chandni Singh
Chandni joined R Jay Finance team in March 2017 after a year exploring and learning New Zealand Culture. She uses her Master Degree to keep things running smoothly by her dedication. She has a passion to serve the people and knows all the in and outs about the customer experience. She brought her previous 3 years’ human resource experience and skills with her to the R Jay Finance Team. So, she knows what she is talking about.
She got into insurance and mortgage services to make a business better than the back of her hand. She is very bubbly personality and the one you will like to talk to about your needs.
She is specialist in Life, Trauma, Health , Income protection and Mortgage protection Insurance.
- Email: chandni@rjayfinance.co.nz
- Mobile: 022 361 5502
- Landline: 09 281 2866
Neha Taneja
Neha Taneja joined R Jay Finance team in January 2017 and have been learning the best in the business. She brings her previous five years experience of working as a Finance Analyst at PWC. With her experience and skills, she is providing best services to our clients.
She is performing administrative duties but the main role is to assist clients to provide them with best solution for Mortgage and Insurance. She is the one who assist your inquiries, setup meetings and contact clients with information regarding their queries.
She really enjoys working in her role and help the clients with the queries and provides information with smile on her face.
- Email: neha@rjayfinance.co.nz
- Mobile: 027 909 2937
- Landline: 09 281 2866