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New Zealand; a land of opportunity but not without risk.

No matter what background we have or what country we or our forebears come from, there is no doubt New Zealand offers opportunities to those prepared to work for them. This pioneering spirit in a modern world has become more often referred to as our entrepreneurial spirit…where grit and determination meets execution! We can spend time working for ‘the man', building our know-how and experience or we are already experienced business people from other places, and one day we think, ‘I could do this myself. Take my dream, start a business, (or start again), employ some help. I don't want an empire, I just want to work for myself and get a lifestyle out of it for me and my family.'

This attitude is so common that small to medium sized enterprises (SMEs) in New Zealand employing five or fewer people now number over 430,000, employing more than 560,000 people representing immeasurable worth to the national economy (GDP). But there's a threat lurking beneath these impressive statistics: research tells us that New Zealanders are underinsured compared with other countries, with only about a third of the investment other OECD nations put into protecting the livelihoods of the people producing this GDP. At GFS there is too often evidence that business owners, many of whom are the key person in the business, frequently lack some or all of the cover they need.

This is in part because many see insurance as expenditure rather than protecting their dream. One role of GFS is to show people than insurance is not a cost, but on the contrary a vital element of financial wellbeing. A second role is to provide products and services that facilitate that wellbeing.

The diagram shows all the parties at risk in ‘The Circle of Life'. The business is underpinned by its key people, who are subject to general life risks - accident or illness that could leave them temporarily or permanently unable to contribute to the business.

That financial impact flows on to the owner/s of the business (often also a key person), who is responsible for the debt, both visible and invisible. Some owners think they don't need business or key person cover because they don't see any outstanding debt - they wholly own the business and the business assets such as vehicles and so on.

However, that's just the visible debt. The cost of exiting is invisible - if you suddenly had to close the business, what would it cost you to pay all current utility bills, rates, holiday pay and other entitlements? What about your lease commitments too? Too often these issues can be overlooked.

Then there are the families; the people supported by the business. What does the owner's lifestyle cost? What about their staff's lifestyles? Who and what is dependent on the business, and what happens if that revenue stream drops or stops? But of course, ‘the circle of life' only completes because the business also is dependent on the very people needed to drive revenue.

The advice GFS offer their clients looks to deal with this value chain. Certainly, it is the responsibility of business owners and key people to seek advice to get the cover they need. But GFS bear equal responsibility, in that they must help to simplify this process and support their clients transfer of any financial liability they are uncomfortable with should a life risk event strike. Getting the insurance you need should not be complicated or expensive relative to the risks you face – Talk to GFS today about how they can help you.

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A chance to win a Gold Chain!

Written by Saurabh Gupta on August 12th, 2015.      0 comments

Many of our customers and well wishers asked us to connect with them through Facebook so here we are!
gold chain 32240077 smallAll you need to do is like our Facebook page to get updates from GFS on:
- Latest news and tips on interest rates, loans, property market and personal risk insurance including life & trauma, total & permanent disability,  medical, mortgage and income protection.
- Experiences of other customers and how they benefitted from our services and expertise.

And what's more - if you sign up on our facebook page  (click here) between 10th August 2015 and 31st August 2015, you automatically get enrolled into the lucky draw for a chance to win a gold chain* (terms & conditions apply).

Don't forget to refer your friends and like

Easy as 123...

1. Click here to enter the contest, or, go to the Gold Chain Offer! tab on the GFS facebook page

2. Sign up with your name and email address between 10th August 2015 and 31st August 2015 to automatically get enrolled into the lucky draw for a chance to win a gold chain*.

3. Invite your friends from the contest page itself for more chances to win and don't forget to... like the GFS Facebook page

*Terms & Conditions of the gold chain lucky draw –
(1) Sign up with your name and email address on or between 10th August 2015 and 31st August 2015 to automatically get enrolled into the lucky draw for a chance to win a gold chain.
(2) The lucky draw will be conducted by the management of Global Financial Services Ltd (GFS)
(3) The draw will have only 1 person as the winner to receive the gold chain. More than 1 person will not receive the prize.
(4) GFS makes no commitment towards the size, quality or value of the gold chain which is the prize of the draw.
(5) The gold chain & the pendant shown in the picture are for artistic purposes only and is not the actual gold chain that will be given away as the prize in the lucky draw; the prize of the draw does not include any pendant.
(6) GFS decision on all matters relating to the contest shall be final and binding.
(7) GFS will not be responsible for shipping or delivering the gold chain prize to the winner of the lucky draw. The winner must collect the gold chain prize from the GFS office.
(8) GFS reserves the right to change the terms and conditions of this offer or withdraw this offer at any time.
(9) By submitting your name, phone and email address, you are providing us the right to contact you for the purpose of this lucky draw, send you our marketing offers & newsletters and ask you about any mortgage or insurance requirements you may have. This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or its partners or application developers. You are providing your information to the owner or operator of this Facebook page and not to Facebook or any of its partners or application developers.
(10) This contest / offer / draw is open only to
residents of New Zealand living in New Zealand




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