Our Services

Scott Morris

Consultant

0800 577 366 P 09 361 5618 F 09 361 5619
E scott@evergreenlife.nz M 021 367 697

Scott's been in the health and wellbeing industry for over 25 years as a personal trainer. He's also been an insurance broker for the last five.

As a dad he understands the importance of protecting the financial future of his family should something unforeseen happen.

Scott's seen the enormous financial and emotional impact on people who’ve lost family members without life insurance. As a broker he's determined to help Kiwi families protect their loved ones. He keeps the process of getting life insurance simple – so you can get on with living a life without worry.

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Neil Morrell

Consultant

0800 577 366 P 09 361 5618 F 09 361 5619
E neil@evergreenlife.nz M 021 133 4170

Neil studied Sports Coaching and Sports Development in Scotland. Health and fitness has always been important to him. He's worked in the insurance industry for the last five years and firmly believes the two go hand in hand.

Married with a young family Neil understands the importance of being healthy and living a full life. He also knows that being health conscious isn't enough to protect the financial wellbeing of your family – should something unforeseen happen.

Neill brings a wealth of knowledge and passion to the Evergreen Life team. His philosophy is to hope for the best but always plan for the worst.

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Mike Broadbent

Consultant

0800 577 366 P 09 361 5618 F 09 361 5619
E mike@evergreenlife.nz M 021 577 366

I've been in the insurance industry for over a decade. I'm absolutely passionate about the benefits of having life insurance.

As a father and a husband I get why family and loved ones need to be protected financially. If the breadwinner dies – life insurance is a life line for the family left behind. I've helped more than 6,000 kiwis prepare for the future. As a broker I work for you, not the insurance companies, so I can get the best insurance for your needs.

An adviser disclosure statement is available free and upon request. You can contact me or my team at any time on 09 361 5618.

Find out who I’ve partnered with:

Cure Kids MDRT M2

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Aidan Hand

Consultant

0800 577 366 P 09 361 5618 F 09 361 5619
E aidan@evergreenlife.nz M 021 850 943

Aidan's Irish which makes him pretty fun to have around.

Not only that but he has extensive business experience in both Ireland and New Zealand.

Aidan's life changed dramatically when he had a baby – all of a sudden it wasn't just about him. He had a little person to look after.

The impact was profound. He realised he wanted to help other families get the financial protection they need should life throw them a curveball. So he became a registered insurance broker and hasn't looked back.

Aidan likes to understand where people are in the life cycle and provide life insurance solutions that cover them for any eventuality.

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Cure Kids

Caring for our kids

As a Dad, I’m absolutely passionate about Cure Kids. The work they do is phenomenal. Its vision is a healthy childhood for everyone. To make this happen they focus on raising funds for medical research to find cures for kids.

They fund research into childhood cancers, inherited heart conditions, cystic fibrosis, sudden unexpected death in infants (SUDI), stillbirth, burns, and child and adolescent mental health – to name a few.

Cure Kids are the largest funder of child health research outside the government. They support the best science possible to make a difference to the health and well-being of children in New Zealand.

As an associate partner - I’m proud to be able to help them do their incredible work.

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MDRT

Get the best advice

Million Dollar Round Table (MDRT) was founded in 1927. It is an independent association of more than 43,000 members of the world's leading life insurance and financial services professionals.

Membership to MDRT is by invitation only. To be invited, an advisor needs to demonstrate exemplary performance and the highest standards of ethics, knowledge, service and productivity.

As a member of MDRT I have also acquired ‘Top of the Table’ status. This means I am in the top 1% of its advisors. MDRT membership provides certainty to my clients that I’m running a smooth, clean practice and have their best interests at heart.

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M2

Tips for success in life

I’m proud to be a monthly contributor to M2 magazine as part of their coach series. The purpose of the series is to inspire and help readers with tips and advice on insurance, sales and life. Read my M2 posts

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Life Insurance Life Insurance

Life is never the same after the death of someone close to you. You're never prepared. It's a bridge you've never crossed, and there's no way to rehearse what it will be like.

At Evergreen it's our business to ensure you're looked after at claim time. That's why we make sure you get the right amount of life cover that buys you and your family time when it really matters.

How much do I need?

Only you can determine the right level of cover. You don't want to be over insured, but you do want to look after your loved ones when you're not around.

When you're deciding your level of cover, consider:

  • debts
  • ongoing education requirements for children
  • a cash buffer for your partner to adjust to life without you (this takes time)

You may also want to consider leaving funds for your partner's retirement.

Income Protection Income Protection

People insure their house because they can see it and touch it. But houses just don't burn down that often. People's earning potential, on the other hand, disappears all the time. Cancer, heart attack and stroke are three of the key killers - not of people, but of their ability to enjoy the life they want.

Steady stream of income when you need it most

Income protection insurance gives you a steady stream of income if you're unable to work for an extended period of time. Unlike ACC it covers non-accidental reasons for being off work, such as stress, the biggest cause of people needing time off work.

We can help you choose the best option for your circumstances.

Medical Insurance Medical Insurance

Save yourself months on the public health waiting list, and get yourself back to work sooner.

The waiting list is not somewhere you want to be, particularly if you need to take time off work. According to an international survey of GPs, New Zealand has the highest proportion of patients facing long delays for elective surgery or hospital care.

If you needed surgery today, would you be able to pay upfront for private surgery? Or would you be willing to wait, and maybe have to take time off work, for treatment in a public hospital?

We usually recommend a medical policy tailored to give you 100% cover for hospital, surgical, specialist consultations and tests.

How to waste your money on medical insurance?

Some medical insurance plans can be a waste of money, yet people like them because they don't seem to cost much, and they give us a false sense of security.

Excess Options - how much you pay

Most insurance providers offer an option for you to pay an excess - in other words, you pay up to a certain amount of the bill before the insurance pays the rest.

The higher your excess, the lower your premium. It's a trade-off between long-term, ongoing, predictable costs (your premiums) and short-term, one-off, unpredictable costs (your excess).

Excess options vary between companies and allow you to keep the cost of your premium down. Look out for limits and maximums

Mortgage Protection Mortgage Protection

Mortgage protection is a combination of many insurance products, like Life Insurance, Trauma Cover, Total and Permanent Disability Cover, and Income Protection.

You can also get standalone mortgage repayment cover, which pays your regular mortgage payments if you're unable to work because of sickness or injury. There's an initial stand down period of at least 4 weeks before the payments start.

Mortgage protection is very similar to other standard insurance policies, but because it's specifically to cover a fixed amount (the amount of your mortgage), there's less flexibility.

The price for mortgage protection insurance is usually similar to standard insurance policies. It's best to talk through your options with us to find what's best for you.

How much cover do I need?

Mortgage protection cover reflects the amount of your mortgage debt, or the monthly repayments you need to make. In short, it depends. No two situations are the same.

Trauma Cover Trauma Cover

Trauma cover gives you a lump sum to pay off the mortgage, fly to Fiji or just spend time with your family without having to worry about where the money will come from.

Unlike income protection, trauma cover doesn't depend on whether you can work or not. To qualify you simply have to survive 14 days after suffering a major illness like heart attack, stroke or cancer. This kind of insurance is also known as Living Assurance, Critical Illness Cover or Serious Care.

What does Trauma Cover include?

Trauma cover pays a cash lump sum if you suffer from a pre-determined health condition and survive 14 days.

The three biggest conditions people claim for are heart attack, stroke and cancer, but most companies cover a broad range of events, such as major burns, major head injury, meningitis, and more ... some companies cover up to 42 conditions.

You'll find the actual conditions covered, and their definitions, in each company's policy document. If wading through policy wording doesn't sound like fun, our advisers will be happy to help you choose the best cover for you.

Why do I need Trauma Cover?

Medicine has advanced by leaps and bounds in the last 50 years. People used to die from many major medical incidents, now people do survive. Consider this 52% of male cancer patients will be alive five years later, and 59% of females will be alive five years later.

It's great news for medicine, but it also means you need to be covered for the new realities. Trauma cover gives you maximum choice at claim time.

Total Disablement Total Disablement

It makes sense to spend a few dollars to cover your family if anything prevents you from working for the rest of your life.

It doesn't happen very often, but it does happen. People who've spent a lifetime developing skills and abilities to build a career on, suffer an illness or injury that means they'll never work again.

Imagine having a major event - whether it's an accident, illness, injury, or even mental illness - and not being able to earn an income for the rest of your life. Total and permanent disability Insurance covers exactly that situation - and because it's not a common claim, premiums are comparatively low.

How it works

Here's how Total and Permanent Disability works: if you suffer an illness or injury that stops you working, and you can't return to the job you had before your accident or illness ever again, you get paid.

Business Insurance Business Insurance

If you want your business to survive the loss of someone critical to its success – due to illness or injury – it makes sense to plan for the worst.

We can help you tailor an insurance plan that protects financial position of your business should something unexpected happen.

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Get Started

Contact us today, or fill in our form and we'll follow up with a call.

0800 577 366

Email: info@evergreenlife.nz

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