Kyle McElwain - Financial Advisor - Resure Insurance

Nothing says "Happy Monday" quite like discovering a rodent has decided your house pipe looked like a great midnight snack.

This resulted in an unexpected water leak, a wet floor, and a very different start to the week than you had planned.

It's a reminder that life has a funny way of throwing surprises at us when we least expect them.

While most of us don't spend our weekends worrying about rodents with plumbing ambitions, unexpected events happen every day. Some are minor inconveniences, and some can have a much bigger impact on our finances, our health, and our families.

That's why personal risk insurance exists. You can't always prevent the unexpected, but you can prepare for it.

Just like having the right cover can help when something goes wrong with your home, having the right personal insurance can help protect your income, lifestyle, and loved ones if life takes an unexpected turn.

Because while we can't predict every challenge that might come our way, being prepared makes dealing with them a whole lot easier.

And if anyone knows of a rodent looking for a career change, I may have a plumbing apprenticeship available 😉

Resure

How satisfied are you with your KiwiSaver provider?

Recently, Consumer NZ conducted its annual survey to determine consumers' satisfaction with their KiwiSaver provider and to highlight the "People's Choice" (2,000 independent clients).

This year, these were named as Generate KiwiSaver Scheme, Booster NZ, Milford and Simplicity.

While it is great to see an uplift in satisfaction, when was the last time you reviewed your KiwiSaver provider and solution?

Here's a tip - most people never have...

Resure

One of the most overlooked parts of financial and estate planning is policy ownership.

It’s not just about having insurance in place. It’s about making sure the money goes where you actually want it to go, when it matters most.

The ownership structure of an insurance policy can impact:

• Who controls the policy
• Who receives the proceeds
• How quickly funds can be accessed
• Whether the payout aligns with your estate wishes

When supported properly with an Enduring Power of Attorney (EPA) and an up-to-date Will, policy ownership becomes a powerful tool to help protect families, reduce stress, and ensure loved ones are financially supported exactly as intended.

A small conversation today can prevent major complications later.

It’s always worth reviewing:

✔️ Who owns your policies
✔️ Who the beneficiaries are
✔️ Whether your legal documents still reflect your wishes

Good planning isn’t just about creating wealth and financial support. It’s about making sure it ends up in the right hands.

Resure

Only 28% of people have used a financial advisor in the past 12 months. Really?

This came from a recent FMA report and webinar.

At the same time, the biggest barriers seem to be:
• Affordability
• Not knowing where to start
• Lack of awareness
• Lack of trust

Yet, when people do engage with a financial advisor, around 70% say they received good or great advice.

So there’s clearly a gap here!

This kick-started my curiosity gear...

From your perspective, what would actually make financial advice more accessible and appealing?

* What would build trust faster?
* What would make you feel it’s worth the cost (even though the advice I provide has no additional direct costs for individuals or businesses)?
* What would help you understand the value earlier?
* What would prompt you to reach out in the first place?

Keen to hear honest thoughts, whether you’ve used an advisor before or not.

There’s a real opportunity here to rethink how advice is delivered and who it reaches.

Resure

How confident are your employees when it comes to insurance and KiwiSaver?

For most, it’s confusing, delayed, or overlooked entirely.

We work with businesses to deliver simple, practical education sessions that cut through the noise, giving people the knowledge and confidence to make better financial decisions.

No jargon. No pressure. Just real understanding.

We adapt to your team, which can include: Short sessions, in-person or virtual.

Financially confident employees are less stressed, more focused, and better supported.

If you’re looking for a fresh way to support your team’s wellbeing, let’s talk.

What’s one thing your employees wish they understood better about their finances?

Resure

There’s never been more information available when it comes to insurance.

You can jump online, compare policies, click a few buttons and technically, you’re covered!

It’s a bit like doing your own accounting, being your own tradie or doing your own legal work.

You can do it, but the question is, is it the best way?

Because with personal risk insurance, it’s not just about having cover.

It’s about having the right cover.
* Will it actually pay out?
* Is it structured correctly?
* Does it reflect your income, your debt, your business risks?
* And when it comes time to claim, who’s in your corner?

That’s where advice makes the difference.

It’s not about making things complicated.

It’s about making sure it works when it matters most.

If you’ve set up your own insurance, or haven’t reviewed it in a while, it might be worth a second look.

When was the last time you checked that your cover actually does what you think it does?

Resure