One of the greatest challenges for any business is to attract new customers ... but not just any customers, you want to meet the right customers ... customers who know they need your products and services and who are ready to to buy.
At Financial Services Online, we find these customers for you ... customers who are ready to buy the products and services you sell.
Finding new customers can be time consuming, but it is a critical part of building value into your business.
We invest heavily in marketing to consumers who are looking for people like you.
We qualify them for you and we send you their details - and you increase your sales, your customer base ... and the value of your business.
We currently generate new business enquiries for Insurance and Finance Advisers Australia-wide covering home loans, wealth creation / mortgage reduction strategies, car loans, business and commercial loans, personal loans, life, trauma and income protection insurance, business and commercial insurance, home and contents insurance, professional indemnity insurance, public liability insurance and more.
Our powerful lead generation system provides brokers and planners with many thousands of leads each month.
We do not charge consumers a fee for submitting an enquiry through our service. Instead, participating brokers pay us for enquiries referred to them, with this cost forming part of the broker's marketing and advertising expenses. The amount payable is determined through our broker bidding system, which allows our approved broker panel to set the market price they are prepared to pay for different types of enquiries and locations. Brokers can also set budgets and adjust their bids according to factors such as the day of the week, time of day and the number of enquiries they have recently received.
Our bidding system is designed to do more than simply identify the highest bidder. Dynamic bids and budget controls help brokers manage the number and timing of enquiries they receive according to their capacity, while our allocation process takes these settings and other relevant matching criteria into account when determining which eligible broker receives an enquiry. This helps us operate an efficient referral marketplace in which lead prices are set by participating brokers, while directing enquiries to an appropriately licensed and vetted broker from our panel who is available, has capacity and is better positioned to respond in a timely manner. The amount a broker is prepared to pay for an enquiry does not affect the insurance premiums, products or options they may subsequently discuss with you.
Income protection insurance can help replace part of your income if illness or injury stops you from working. This guide explains how cover generally works in New Zealand, what affects benefits and what to check before applying. - read more
Self-employed income protection in NZ can help replace part of your personal income if illness or injury stops you working, but variable earnings, business expenses and income evidence can make policy choices more complex. - read more
Income protection insurance can sit alongside ACC, sick leave, employer benefits and other New Zealand income support. This guide explains the key differences, possible overlaps and questions to ask before choosing cover. - read more
Understand the key features that can affect an income protection policy in New Zealand, including waiting periods, benefit periods, exclusions, benefit limits and claim conditions. - read more
The Financial Markets Authority’s latest focus on licensed financial advice providers is a timely reminder that Income Protection Insurance is not a set-and-forget product. For New Zealanders whose mortgage, rent, family costs or business drawings depend on their ability to keep earning, the quality of advice received at application and review time can strongly influence how well a policy performs when a claim is needed. - read more
New Zealand households are still looking for ways to ease pressure on weekly budgets, and insurance premiums are an obvious place many people look first. Recent financial services commentary has again highlighted a familiar pattern: when living costs rise, some customers reduce benefits, extend waiting periods, remove optional cover or cancel policies altogether. For Income Protection Insurance, those decisions can have consequences that are not always visible until illness or injury interrupts work. - read more
The Reserve Bank’s continuing work on insurance supervision reform is a reminder that personal cover is not only about choosing the right benefit amount or premium. For New Zealanders who rely on Income Protection Insurance, the strength and oversight of the insurer behind the policy can matter just as much as the wording in the brochure. - read more
The latest round of ACC levy increases has brought a familiar question back into focus for New Zealand households: if we already contribute to a national accident scheme, do we still need private income protection? The short answer is that ACC remains an important foundation, but it is not designed to cover every reason a person may be unable to work. - read more
Recent industry commentary has again highlighted a growing tension in New Zealand's personal insurance market: many households know they need protection, but fewer are confident they understand what to buy, what to keep, and what to change when budgets tighten. For Income Protection Insurance customers, that advice gap can be especially important because the consequences of getting cover wrong may only become clear after illness or injury stops someone from working. - read more
New Zealand’s long-running insurance contract law reform is shifting from a technical legal issue into something everyday policyholders need to understand. The Contracts of Insurance Act modernises rules that have sat behind insurance policies for generations, including how customers disclose information, how insurers respond to non-disclosure, and how certain policy terms are treated. - read more
All quotes are provided free and without obligation. We respect your privacy.
Knowledgebase
Incontestability Clause: A provision in a life insurance policy that prevents the insurer from voiding coverage due to a misstatement by the insured after a certain period.
