INSURANCE ADVISOR CHRISTCHURCH
Creating financial certainty
Financial service · Insurance Agent · Insurance Broker · Kiwisaver Advisor
Let us help you build a solid financial foundation with our reliable insurance solutions.
Disclosure Information
28/10/2022
Hector Onofre
FSP 1004222
021 189 7585
81c Lichfield Street, Christchurch Central City, Christchurch 8011
I am a financial adviser and provide advice on behalf of Vita Cover Limited, which is licensed as a Financial Advice Provider by the Financial Markets Authority. Vita Cover Limited and I are registered on the financial services provider registry which can be viewed at fsp-register.companiesoffice.govt.nz.
I currently have a partner with Insurance Supermarket who has been in the industry for over 13 years.
My areas of expertise are Life Insurance, Health Insurance, Income and Mortgage Protection, Trauma Protection and Total Permanent Disability, and Kiwisaver Reviews.
My job is to provide personalized advice that takes into account your individual circumstances to determine the personal risk products that best meet your personal goals, needs and your budget.
To ensure that advice remains accessible, Vita Cover Limited does not charge any fee for providing personal risk insurance advice or for implementing advice if you decide to proceed.
In place of an upfront fee, Vita Cover Limited is paid a commission by the recommended insurance provider from the premium they charge you for your cover. This commission will range from 40% to 200% of the first years premium, depending on which insurance company you take out cover with. I will then receive a servicing commission of up to 10% of the annual premium for the Iife of the policy. In regards of Kiwisaver, as financial advisers we get paid a commission from 2% to 5%. I will confirm the amount of commission Vita Cover Limited will receive when I provide my recommendation to you.
As a Financial Adviser I work for you and it is my duty to abide by the Code of Conduct for Financial Service Providers. Although I am paid by the providers for the services I provide, it is you that I work for. To ensure I put your interests ahead of my own, I follow a 6-step advice process when providing personalized financial advice which is based on your individual goals, needs and budget. I provide all my recommendations in writing so that you have the opportunity to ask any questions you might have before implementing any of my advice.
We take part in a quality assurance program to review our advice process on a annual basis to ensure it is based on the needs of our clients. If you are unhappy with any aspect of my service, please tell me so that we can manage it through my internal complaint process. If we are unable to address your concerns, you can contact my disputes resolution scheme, at no cost to you:
Name: FDRS
Address: PO Box 2272 Wellington 6140
Telephone number: 0508 337 337 Email address: enquiries@fdrs.org.nz
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We’re Your Local Kiwi Experts:
Helping clients prepare for the unknowns
We have years of insurance experience helping clients prepare for the unknown.
Ask us about Life Insurance, Health Insurance, Income Protection, Trauma Protection, Permanent Disability, and more! We can access any insurance product so you can get the right one for you.
Everyone has different insurance needs.
Call us today for a personalized business or individual assessment and find out how we can help protect your hard-won assets.
Hector Onofre
financial adviser
How we help you?
We go beyond policies. We provide personalised advice and foster genuine relationships.
Our goal is to ensure you have insurance that not only meets your needs but is easy to understand.
Health Insurance
Takes care of your medical bills and provides you with faster access to medical care that suits your needs.
Income & Mortgage Protection
STAY FINANCIALLY STABLE
Covers regular monthly payments if illness or injury stops you from working, ensuring financial commitments like bills, mortgage, or rent are met.
Total Permanant Disability
PLAN FOR THE UNEXPECTED
Delivers a lump sum for total and permanent disability to reduce debt, fund investments, or pay for home modifications as needed.
Trauma Protection
SUPPORT WHAT MATTERS THE MOST
Provides a lump sum payment if you or your child becomes ill or injured with one of the covered conditions.
Life Insurance
Provides a lump sum upon death or terminal illness to help repay debt, create an inheritance, or support other financial goals at the client’s discretion.
★★★★★
Life Insurance Savings
Hector is an incredible insurance advisor! I was paying a hefty premium for my life insurance with my previous provider. Hector reviewed my policy and found a better option for me. Not only did I save a significant amount on my monthly payments, but I also got the same, if not better, coverage.
He made the entire process easy to understand and stress-free. Highly recommend Hector if you want to save money without compromising your insurance!”.
Damian S
★★★★★
KiwiSaver Growth Potential 😃
I was skeptical about switching KiwiSaver providers, but Hector’s analysis showed me how much I could potentially gain. My old provider’s returns weren’t great, but with Hector’s guidance, I switched to a provider that projects almost double the growth for my savings.
His knowledge of KiwiSaver options is unmatched, and he explained everything in simple terms. Thanks to Hector, my retirement plans are looking brighter than ever!
Daniela Y
★★★★★
Comprehensive Family Coverage
We were struggling to find a comprehensive insurance package for our family that fit our budget. Hector went above and beyond to create a full package that included life, health, trauma, and income protection at an amazingly affordable price. We couldn’t believe we could get this much coverage for what we’re paying now.
Hector is knowledgeable, kind, and truly cares about finding the best for his clients.
I wouldn’t trust anyone else for our insurance needs!