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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.

Call 09 2555500 email


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Darrin Franks joins GFS

Written by Saurabh Gupta on July 11th, 2015.      0 comments

AIA insurance ex-honcho joins leading Auckland based home loans and insurance adviser Global Financial Services Ltd

09 July, 2015, Auckland: Insurance industry leader Darrin Franks has joined Global Financial Services Ltd as Management Strategy Consultant to improve the customer experience for home loans as well as insurance.
Until 2013, Darrin was heading distribution and marketing at AIA Insurance – the life insurance market leaders in Asia Pacific region. Darrin has been working as a management consultant at his company Conetworkz Management Solutions. He brings valuable expertise of more than 20 years in the insurance industry in New Zealand including with leading companies such as Asteron and Sovereign. You may read more about Darrin on his linkedin profile:

Darrin Franks-479-366-991-514
I have known Ajay Kumar and the GFS business for some years and would describe it as one of the best integrated mortgage and insurance originators and provider of financial service that I have seen.

But the real attraction was their vision of service excellence and desire to constantly improve and the boldness with which they are prepared to invest their own capital to achieve this.

Founded by Ajay Kumar in 1999, Global Financial Services Ltd (GFS) is NZ's leading mortgage & insurance advisory – having arranged more than $3 bn in loans & $2.5 bn in insurance. GFS brought Darrin on board to bring the best management thinking and deep financial services industry expertise for the benefit of GFS clients.
Customers of GFS will stand to benefit from the deep knowledge that Darrin brings. Especially unique will be his knowledge of other side of insurance business – the insurance companies and their claim settlement process.

“We feel that with the vast knowledge and experience of Darrin Franks, GFS will be able to deliver excellent customer service for both mortgage and insurance.

The GFS team will benefit in learning best practices and advising customers on choosing the right insurance at the right price.”
GFS has always made it a top priority to assist their customers at the time of insurance claim. In fact, many times they have assisted people who were not even their customers. Darrin has made this a top priority for himself as well.
GFS has always focused on complete clarity to the customer at the time the insurance application is filled as well as an ongoing annual review of insurance policies. This is to ensure that customers do not face issues at the time of lodging an insurance claim. So far, its claim settlement ratio in respect of life insurance is 100%. Darrin and Ajay will work together to improve the end to end processes so that customers always get the best advice and assistance from GFS.
Home made sweets-373-754
In a recent case, GFS helped a mortgage customer get an insurance claim she never knew they were entitled to.

This was even though her insurance broker was their old friend who had now closed his insurance business.

The customer and her husband were so thankful to the GFS team that brought home made sweets for the whole team (pic on left).

About Global Financial Services Ltd
Global Financial Services Ltd is one of the financial advisers who are successfully serving the Indian community continuously for over 16 years. It has been successful in arranging loans and life and personal risk insurance of about $5.5 billion.
GFS has won 22 prestigious awards including top advisor awards from ANZ Bank, ASB Bank and AIA Insurance and The New Zealand Mortgage Mag. Others include Indian Business Awards for Excellence in Customer Service, Best Medium Sized Business and Supreme Business.
GFS focuses on helping its customers finish their mortgage quickly rather than just arranging the mortgage. Its insurance services help customers protect their life and mortgages in unforeseen circumstances. GFS helps its customers at the time of insurance claim and as a result, its claim settlement ratio in respect of life insurance is 100%.
Press Release_GFS_09July2015
For more information, please contact Saurabh Gupta (Marketing Manager) on 09-255 5500 or


Social Media Survey Question Competition Terms and Conditions

What do you value most from your mortgage and insurance advisor?


  1. The promoter is: Global Financial Services Ltd whose registered office is at 19/203 Kirkbride Road, Airport Oaks, Auckland.
  2. The competition is open to residents of New Zealand aged 18 years or over except employees of GFS Ltd and their close relatives and anyone otherwise connected with the organisation or judging of the competition.
  3. There is no entry fee and no purchase necessary to enter this competition.
  4. By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.
  5. Route to entry for the competition and details of how to enter is via Facebook
  6. Only one entry will be accepted per person. Multiple entries from the same person will be disqualified.
  7. Closing date for entry will be Friday, 5 May 2017 on 23:59.  After this date no further entries to the competition will be permitted.
  8. No responsibility can be accepted for entries not received for whatever reason.
  9. The rules of the competition and how to enter are as follows:
  1. Be sure to Like and Follow our Facebook Page
  2. The same consumer must answer our survey question by choosing at least one (1) option supplied.
  3. There is no right or wrong answers for this competition.
  1. The promoter reserves the right to cancel or amend the competition and these terms and conditions without notice in the event of any actual or anticipated breach of any applicable law or regulation or any other event outside of the promoter’s control. Any changes to the competition will be notified to entrants as soon as possible by the promoter.
  2. The prize is as follows:
    A Countdown Shopping Voucher to the value of NZ$ 50.
  3. The prize is as stated and no cash or other alternatives will be offered.  The prize is not transferable. The Prize is subject to availability and we reserve the right to substitute any prize with another of equivalent value without giving notice.
  4. The winner will be chosen by a lucky draw, from all entries received and verified by Promoter.
  5. The winner will be notified through their Facebook messages within 10 working days of the closing date. If the winner cannot be contacted or do not claim the prize within 14 days of notification, we reserve the right to withdraw the prize from the winner and pick a replacement winner.
  6. The promoter will notify the winner when and where the prize can be collected / is delivered.
  7. The promoter’s decision in respect of all matters to do with the competition will be final and no correspondence will be entered into.
  8. By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.
  9. The competition and these terms and conditions will be governed by law.
  10. The winner agrees to the use of his/her name and image in any publicity material, as well as their entry. Any personal data relating to the winner or any other entrants will be used solely in accordance with current NZ data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.
  11. The winner’s name will be available 10 working days after closing date by emailing the following address:
  12. Entry into the competition will be deemed as acceptance of these terms and conditions.
  13. This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, Twitter or any other Social Network. You are providing your information to GFS Ltd and not to any other party.



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