My background up until September 2021 was providing personal risk insurance advice. Prior to this I was a Senior Risk Adviser with the Quantum Risk Team and provided advice on Life insurance, Trauma insurance, Total & Permanent Disability insurance, Income/Mortgage Protection insurance, Medical insurance and Key Person insurance. I have now stepped back from providing financial advice and now operate as a consultant in this area to the Risk Team at Quantum Finance Ltd. I became involved in this industry because I have seen the difference an insurance payout can make in what are often are tragic circumstances. Previously in my role as a Senior Risk Adviser, my advice extended to businesses particularly in the areas of funding Buy Sell Agreements and Succession Plans for farmers as well as protection for business owners in relation to business debt and personal guarantees.Purchasing insurance on-line or over the phone is promoted as being easy. It might be but the situation could be quite different at claim time if you have omitted to tell an insurer something they regard as important. Making sure that you fully disclose everything relevant to an insurer is a critically important part of completing an insurance application and this is what one of our experienced risk advisers can help you with. They want to make absolutely sure to the extent they can, that claims under policies recommended are paid, and will help manage this process for you.Quantum Finance have agencies with all of the major life, disability and medical insurers in New Zealand. They are not tied to placing business with any particular insurer and recommendations are solely based on who will provide a client with the best cost/benefit solution.If you're looking for good sound advice, please connect one the Quantum Risk Team.