Insurance Works

Insurance works was founded in 1999, by Richard Turfrey (aka Turf). Richard who had earlier worked in various insurance sales roles, since 1988 set up his financial services business to help Businesses and individuals combat the serious implications of sickness, disability, and premature death.

Donna Jackson joined Richard, on a temporary basis in early 2004.The business flourished, and she decided to hang around, and become part of the furniture. Actually that’s not true, Donna virtually runs the show, from her sunny Office in Victoria Avenue, Wanganui. It’s usually her cheerful voice that will greet you when you phone in, or visit our office.

Both Richard and Donna are passionate about protecting businesses and families, and they work hard to provide you with a relaxed caring service, individually tailored to your unique situation.

Business Protection and Estate Planning
We help preserve small to medium sized businesses, from being ruined by devastating events such as premature death, permanent disability, or the onset of a critical condition. Through careful planning you can avoid your business becoming a fire sale, when tragedy strikes. This allows the business to continue profitably or to be wound up in an orderly fashion. It’s not a 5 minute fix, but it is well worth the planning, to ensure your business doesn’t flush down the toilet. Give Richard a call now, to arrange a no obligation appointment.

Employee Benefits
Employee benefits usually provide guaranteed acceptance, along with coverage of pre-existing conditions. This is a huge concession, which is not normally available to individuals. Group Insurance provide significant discounts to the business, with upgrade options for employees at prices which are usually significantly cheaper, than normal market rates.

Group Medical Insurance
Helping businesses to attract and retain key personnel, reducing absenteeism due to ill health. This allows for planned time off work, rather than being reliant on the public system where a patient can be subject to lengthy wait times, and then short notice for their procedure, once they are due. To discuss a quote, and to understand the terms and conditions, phone Richard today.

Group life and disability insurance
It’s tough losing a key employee to death or disability. However it is many times harder to say goodbye to their family, especially when they have no financial means to replace the much needed lost income. Use Group Insurance to provide an extremely valuable gift for surviving family members. Phone Richard to arrange a no obligation meeting.

About ACC
ACC is a compulsory insurance … you have to have it and you have to pay for it. However there are some serious snags with the mainstream product (called Coverplus). Premiums are calculated on your previous years taxable income, and this causes problems.

If your income has increased since your last tax return, then you are now likely to be underinsured. Or, if you split your income with your spouse or partner for tax purposes (but generate most of the income yourself), then you are probably only half insured. If you haven’t filed your tax return at all, and you get hurt, you will only be paid the minimum amount of ACC (currently $590 per week, $24,544 per annum, before tax). Of course, you’ll still need to file your tax return urgently, so you can expect your accountants bill to go up. And, you’ll be inconvenienced by having to do all this, when you are not feeling great, or may not be able to do it at all.

So, if you are self-employed, and not paying PAYE the best answer, is establish ACC Coverplus extra. Take control of your ACC and arrange an agreed level of cover directly with ACC. YOU WILL GET WHAT YOU PAY FOR!! If you are disabled by accident, you’ll be paid the amount you have arranged without having to prove your income.

For more information talk with Richard


WILL things happen how you want, when you are gone??

If you don’t have a Will and you die, you are going to leave a hell of a mess. Especially if you are in business, or have a young family. Or worse still if you have children to two (or more) partners. It’s not overly expensive to have your wishes recorded, but, it’s important to do it now. DO NOT PUT IT OFF!!!

This is a really serious problem in New Zealand, here are the shocking statistics:

The percentage of people who will die 100%
The percentage of people with wills 50%
The percentage of people with current or valid wills 25%

Start planning what you want to have happen, TODAY. The inevitable could happen sooner than you think. It’s never too early to plan.

Call Richard today.