Interesting article - The role financial advisers can play in your life for your benefit, there is no wrong stage to ask for financial advice. 
https://www.goodreturns.co.nz/article/976517306/financial-advice-makes-nzers-better-off.html?utm_source=GR&utm_medium=rss&utm_campaign=Financial+advice+makes+NZers+better+off&fbclid=IwAR0qujMrTf4xUUjyUpN7NSp9YsrTU7_VTEVOgVp1n5nREbXYPjtKD_4kjBc

When you join Ultimate Health Max or Ultimate Health via nibAPPLY, we’ll cover many of their pre-existing conditions.
This means that until 30 June 2020 we’re offering comprehensive health insurance cover which is fully underwritten and covers many pre-existing conditions after three years.

One of the many advantages of using nibAPPLY is that you will know which pre-existing conditions are covered after three years during this campaign and which are permanently excluded or require further underwriting.

Preferred underwriting terms mean that some personal exclusions will automatically end after three years continuous cover.

For some pre-existing conditions, permanent exclusions will apply if those pre-existing conditions relate to the following conditions as defined by nib: cardiovascular conditions including some risk factors, cancer, hip, knee or back conditions, transplant surgery, reconstructive or reparative surgery. Exclusions will continue to apply in the case of the Non-PHARMAC drug benefits. 

This offer only applies to new customers of nib

Please touch base with me if you would like more information or would like to apply for this cover. Brochure attached below for your information.
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