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Quarterly Review Form
This form is to review a quarter that has just passed.
For example, at the end of March, complete a review for Q1.
Previous Quarterly Reviews
All Supplier BDM Contact Details
MTG Auckland- Provider BDM’s
Accuro
Vishal Bhadra Adviser Relationship Manager
M: 021443905 E: Vishal.Bhadra@accuro.co.nz
AIA
Bryan Rippey Business Development Manager
Mobile: 021 826017 | Email: bryan.rippey@aia.com
Asteron
Yasser Al-Sagban Business Development Manager – Northern
Mobile: 027 276 2593 | Email: yas_al-sagban@asteronlife.co.nz
Booster
Aaron Scott Adviser Relations Support
Mobile: 027 277 9337 | Email: Aaron.Scott@booster.co.nz
Chubb
* Peter Mensah Business Partner Manager
Mobile: 021 227 4087 DDI: 09 300 8990 | Email: Peter.Mensah@chubb.com
Fidelity
Peter Warfield Business Manager – Auckland
Mobile: 027 6030903 | Email: peter.warfield@fidelitylife.co.nz
Fisher Funds
Stephany van der Werf Head of Third-Party Distribution
Mobile: 021 022 32197 | Email: stephany@fisherfunds.co.nz
Generate (KiwiSaver)
Paula Damen Business Development Manager
Mobile: 021 224 0972 | Email: paula.d@generatekiwisaver.co.nz
Milford
Andre Makarevich Business Development Manager
Phone: 09 921 4810 | Email: AMakarevich@milfordasset.com
NZ Funds
Sid Singh Principal, Advisory Services
Phone: 09 918 9743 | Mobile: 021 764 242 | Email: sid.singh@nzfunds.co.nz
Nib
Stu Crowther
T: 0800 238 642 | Email: stu.crowther@nib.co.nz
Partners Life
Dave Lewis Business Development Manager
Mobile: 021 739 290 | Email: davelewis@partnerslife.co.nz
Resolution Life
Damian Herrick National Adviser Relationship
Mobile: 027 707 0141 | Email: damian.herrick@resolutionlife.co.nz
Southern Cross
Hayley Ceselli Business Development Manager – Adviser
Mobile: 021 1902381 | Email: hayley.ceselli@southerncross.co.nz
As of 13/05/2024
MTG Cambridge – Provider BDM’S
AIA
Bryan Rippey
Mobile: 021 826 017 | Email: Bryan.rippey@aia.com
Asteron
Josh Broadbent
Mobile: 027 536 9880 | Email: josh_broadbent@asteronlife.co.nz
Chubb
Peter Mensah
Mobile: 021 227 4087| Email: Peter.mensah@chubb.com
Fidelity
Darryl Fale
Mobile: 021 190 3948 | Email: darryl.fale@fidelitylife.co.nz
Nib
Arishma Singh
Mobile: 021 2607687 | Email: arishma.singh@nib.co.nz
Partners Life
Gareth Allen
Mobile: 021 516 644 | Email: garethallen@partnerslife.co.nz
As of 23/2/2024
MTG Christchurch – Provider BDM’S
AIA
Andrew Sparrow
Mobile: 027 703 5873 | Email: andrew.sparrow@aia.com
ANZ
Lowell Mallon
Mobile: 021 160 3373 | Email: lowell.mallon@anz.com
Asteron
Chris Flett
Phone: 03 371 9773 | Mobile: 021 722 175 | Email: chris_flett@asteronlife.co.nz
Chubb
Ian Greig
Mobile: 021 280 5200 | Email: Ian.Greig@chubb.com
Fidelity
Gary Binnie
Mobile: 021 976121 | Email: gary.binnie@fidelitylife.co.nz
Nib
Steph Walker
Mobile: 021 579580 | Email: steph.walker@nib.co.nz
NZ Funds
David Adams
Mobile: 021 289 6130 | Email: David.Adams@nzfunds.co.nz
As of 14/2/2024
MTG Hamilton – Provider BDM’S
AIA
John-Paul Fraoli
Mobile: 022 0123751 | Email: john-paul.fraioli@aia.com
Chubb
Phil Thompson
M: 021 242 3816 E: phil.thompson@cigna.com
Generate
Weini Winslow
Mobile: 021 508 091 | Email: weini@generatekiwisaver.co.nz
Partners Life
Gareth Allen
Mobile: 021 516 644 | Email: garethallen@partnerslife.co.nz
Confirmed as of 22/02/2024
MTG Napier (Lewis Limited) – Provider BDM’S
Accuro
Phil Longworth
Sales Support
Phone: 04 495 8633 | Email: phil.longworth@accuro.co.nz
AIA
Vicky Abbott
Senior Corporate Solutions Specialist
Phone: 09 892 2710 | Email: nz.corporatesolutions@aia.com
AIG
Email: AIGtravel@aig.com
Asteron Life
Jon Lloyd
Mobile: 027 271 3692 | Email: jonathon_lloyd@asteronlife.co.nz
Daniel Buckett
Employee Insurance Pricing & Retention Consultant
Phone: 0800 808 106 | Email: daniel_buckett@asteronlife.co.nz
Aaron Whyte
Account Manager
Phone: 09 370 0600 | Email: ei.asteronlife@gbtpa.co.nz
Chubb Life
Rachel McBeath
Distribution Operations Senior Specialist, Distribution
Mobile: 021 396 930 | Email: Rachel.mcbeath@chubb.com
Craigs Investment Partners
Kaye Germann
Client Services Onboarding
Phone: 07 927 7957 | Email: kaye.germann@craigsip.com or clientservices@craigsip.com
Fidelity Life
Aimee Carmichael
Key Account Manager – Group Insurance
Phone: 09 339 0620 | Email: aimee.carmichael@fidelitylife.co.nz
Sam Button
Key Account Manager – Group Insurance
Phone: 09 339 0616 | Email: sam.button@fidelitylife.co.nz
Shea Wilkinson
Operations Manager
Phone: 09 339 0613 | Email: shea.wilkinson@fidelitylife.co.nz
nib
Karl Krause
Adviser Partner Manager
Mobile: 021 901 843 | Email: carl.krause@nib.co.nz
Pippa Leydon
Existing Business & Key Accounts Manager
Email: pippa.leydon@nib.co.nz
Kate Weatherall
Adviser Relationship Manager
Email: kate.weatherall@nib.co.nz
Partners Life
Debbie Lawrence
Affinity Operations Manager
Email: debbielawrence@partnerslife.co.nz
Phone: 09 951 5027 | Mobile: 021 463 516
Resolution Life
Ingrid Tasker
Workplace Plan Specialist
Phone: 04 498 8008 or 09 558 0537
Email: ingrid.tasker@resolutionlife.co.nz or workplace@resolutionlife.co.nz
Southern Cross
Hayley Ceselli
Business Development Manager – Adviser
Mobile: 021 190 2381 | Email: Hayley.ceselli@southerncross.co.nz
As of 22/2/2024
MTG Tauranga – Provider BDM’S
Accuro
Stephen Crawley
Mobile: 021 2273149 | Email: Stephen.crawley@accuro.co.nz
AIA
John-Paul Fraoli
Mobile: 022 0123751 | Email: john-paul.fraioli@aia.com
Asteron
Ashley Buck
Phone: 09 3527672 | Email: ashley_buck@asteronlife.co.nz
Chubb Life
Phil Thompson
Mobile: 021 242 381 | Email: phil.thompson2@chubb.com
KAM Naman Shama
Email: naman.sharma@chubb.com
Fidelity Life
Vanessa Turley
Phone: 09 3652096 | Email: vanessa.turley@fidelitylife.co.nz
Generate
Weini Winslow
Mobile: 021 508 091 | Email: weini@generatekiwisaver.co.nz
Nib
Carl Krause
Mobile: 021 901843 | Email: carl.krause@nib.co.nz
Sahil Sharma
Email: sahil.sharma@nib.co.nz
Partners Life
Georgia Ranera
Mobile: 021 524 856 | Email: georgiaranera@partnerslife.co.nz
Resolution Life
Email: lifeadviseroperations@resolutionlife.co.nz
Southern Cross
Hayley Ceselli
Mobile: 021 1902381 | Email: hayley.ceselli@southerncross.co.nz
As of 22/2/2024
MTG Whanganui – Provider BDM’S
AIA
Jozac Hillary – Southland BDM
Mobile: 027 442 2512 | Email: Jozac.hillary@aia.com
Hannah Anderson – Regional Manger
Details – TBA
Chubb Life
Simon Prentice – Business Partnership Manager
Mobile: 021 567 932 | Email: simon.prentice@chubb.com
Nib
Stu Crowther – Adviser Partner Manager
Mobile: 021 822 151 | Email: stu.crowther@nib.co.nz
Fidelity Life
Peter Warfield – Business Manager
Mobile: 027 603 0903 or 09 300 8990 | Email: peter.warfield@fidelitylife.co.nz
NZ Funds
Jeff Motion
Details TBA
Partners Life
Jude Dalzell – Adviser Distribution Manager
Mobile: 021 452 789 | Email: judedalzell@partnerslife.co.nz
Select Wealth Management
Andrew Kelleher
Phone: 09 308 1450 | Email: info@selectwealth.co.nz
Southern Cross Group Scheme
Tim Jones – General Manager MTG
Mobile: 021 660 834 | Email: tim@mauricetrapp.com
Synergy Investments
Ben Brinkerhoff
Email: ben.brinkerhoff@consilium.co.nz
Medical Claims - Supplier Information
Submitting a claim online
To submit a claim online, clients must provide the following for assessment:
GP referral letter to specialist or scan request referral form (e.g.x-ray, ultrasound)
If after seeing the Specialist they have been recommended for further investigations such as scans (MRI, CT scan etc), insurer will need the following for approval:
Specialist consultation letter as it details diagnosis and plan (investigation or treatment). Booking confirmation and estimate cost is NOT sufficient for assessment as it contains no medical information and/or
MRI, CT Scan referral
If it is a Cancer claim please get in touch with us and we will look after the medical claim
For on-going claims for the same condition, an approval is not required for follow up consultations – if the initial consultation was approved. Insurer might ask for an updated specialist letter to process the payment. This is to confirm if it is still medical necessary the client returned for consultation.
The timeframe is between 6-12 months depending on the provider therefore, it is good to have the latest letter when submitting the invoice. This will allow provider to process without requesting further information.
We are happy to answer questions but please have the following details if you have question. This will enable us to provide an accurate answer.
Checking for coverage
What is the condition they are wanting to claim on? Are they claiming surgical or something else?
If the clients want to know if a treatment is covered, please provide condition the treatment is for and name of drug of known.
Checking for payment (Client wanting us to follow up)
Claim/ Policy number
Date of invoice/receipts submitted
Amount of invoice/Receipts
Note: The insurer will ask these questions if we call to follow up/query. Common questions from clients as an example…
Wisdom teeth removal (unerupted and/or impacted) – Covered unless it is in the exclusions. Root Canal is not covered.
Standalone Psychatrist/Psychologist consultations, ADHD assessment, – not covered as under general exclusion for Mental Health.
Skin Doctors – There has been an increase in clients having consultations with “specialists.”
Please remind clients to seek prior approval for this as some of doctors are not considered as a “Specialist” under their medical policy wording.
Providers Claims details
Partners Life
0800 145 433
Monday to Friday 8.30am to 5pmFor on-going claims, please send the request to claims@partnerslife.co.nz and in subject line: Name, Policy number, Claim number It is important to have these details in the subject line so it will be attached to the claim/right queue for processing. Turnaround for approval today is
AIA
0800 500 108
Mon- Fri 8.30 am to 5.30pmMy AIA (they have to be registered to login to submit a claim)
Online claim form (Approval, reimbursement, invoice to be paid) Personally I recommend this one.
There’s also Live Chat (need to scroll down and select “start chat” new window will pop up for you to fill in details)
For on-going claims, please send request to nz.healthclaims@aia.com and in subject line: Name, Policy number, Claim number.
Nib
0800 123 642
Mon – Fri 8.30am to 5pmMember portal or through the nib App (download from Apple or Google play)
Video instructions available if they are not tech savvy. Here or can see the instructions here
For on-going claims, the app is the quickest way to get to nib. The turnaround timeframe is also shortly. Where via email, it is a manual process on nib’s end. If they do want to email, claims@nib.co.nz in subject line: Name, Policy number, Claim number.
Southern Cross
0800 800 181
Mon-Thu 8:00am – 5:00pm, Fri 9:00am – 4:30pm.Membership portal SX do not accept email for claims anymore.
Accuro
0800 222 876
Monday to Friday 9-4pmMake a claim through their member portal
They can also email the claim to claims@accuro.co.nz for processing. Information regarding claims with Accuro, here
Risk Replacement Advice Practice Standards
Background
The following document outlines MTG’s approach of advice practice wherever replacement of existing risk financial products is being contemplated.
MTG’s Replacement Business Policy requires that we conduct a comprehensive comparison between the original and proposed product/policy and identify features, benefits and risks related to replacing the product. In particular the risks of switching providers or cancelling a product should be highlighted.
We are required to report annually to the FMA on the level of risk replacement business and Kiwi Saver switching activity that results from regulated financial advice that we provide in the form of annual regulatory returns.
As well as conduct standards and regulatory obligations our product suppliers also put obligations on us to ensure that we treat replacement advice with due care, diligence and skill – examples include:
Partners Life – adviser must make clear to client any potential loss of certain rights, future guarantees and/or discounts which are dependent on the duration of the replaced policy and/or potential reduction or loss of coverage previously provided under the replaced policy dependent upon subsequent health changes, hazardous pursuits or the effect of suicide.
Asteron – ensure to prioritise Customer interests when providing Financial Advice Services involving replacement business.
Chubb – must comply with any rules, directions of guidelines Cigna may issue from time to time regarding replacement business, including (but not limited to) any requirements set out in the Chubb conduct standards.
MTG Replacement Advice Practice Standards
1.1 Identify if client holds existing financial products
Does the client hold an existing financial product? Is the client an existing client of MTG or new to the entity?
1.2 Identify if the financial product is an MTG approved product?
Has the existing financial product been assessed as suitable through MTG’s product selection process? (refer Product Selection Policy)
Explanation
MTG advisers can only advise on existing or new products that they are suitably qualified and accredited to advise on being those approved via MTG’s Product Selection process. Where an existing product does not meet MTGs product selection criteria (i.e., could include legacy products that are closed to new business, no longer on sale) then we will have to manage these through our exception framework*
*Refer MTG’s Product Selection Policy
1.3 Assess the existing product for suitability
Does the existing product need to be considered and analysed relevant to the client’s current situation and could it reasonably meet the client’s objectives, needs and priorities?
Explanation
Only where there are grounds established that an existing product does not meet a client’s objectives, needs and priorities should we consider recommending the product be replaced. If the existing product sits with an MTG approved supplier then the following criteria must be considered when recommending a replacement product.
The recommendation has been assessed against MTG’s Product Selection Framework
changes to benefit periods
changes to wait periods
changes in sums assured
changes in premium structures
any differences in covered medical conditions
any changes with existing or new exclusions and/or loadings
any other costs to change products or providers.
the clients risk profile, investment horizon
1.4 Assess your recommendation for any conflicts of interest
Your recommendation must not be influenced by any conflicts of interest such as incentives, bonuses or soft dollar commissions. Where a conflict arises, we have a duty to act in the best interests of the client. MTG has developed the following guideline to assist our advisers to help manage any conflicts:
Where a client is an existing MTG client then carefully consider the suitability of any commission arrangements particularly in the instance of any like for like product replacement (i.e., term life cover being replaced with a new term life cover product). In this instance a level commission option is preferred. Consideration must be given to the following – has cover been replaced more than once? Who prompted the review – adviser or client? Were there any other conflicts evident during the advice engagement i.e. campaigns, incentives, rewards?
Where a client is new to MTG but their existing financial product is less than 3 years old a level commission option is preferred when recommending a replacement product
Where a client is new to MTG but has held their existing financial product for more than 3 years then remuneration arrangements are at the adviser’s discretion to select (i.e., level, discounted or standard commissions are acceptable)
For exceptions to these guidelines or if in doubt about whether a conflict might arise (real or perceived) please discuss with a suitable SMT member in the first instance.
1.5 When recommending a replacement product
Your recommendation must specify the reasons for replacement, and supporting rationale in a way that helps our clients make an informed decision. Your written advice must detail to the client any risks with implementing the recommended products.
Replacement advice will be a specific focus of MTG’s Advice QA reviews.
6 Stages of the Risk and Investment Advice Process
CPD Point Available For This Section
Stage 1 – Establish & Define the Client Relationship
During this stage, you should be establishing the scope of your advice with the client. It should be clear that the client understands what is and is not covered by the advice you will give and what the implications are.
Evidence must include:
Provide Disclosure Document to client, sign and email to admin support, explain how they can complain and how you are paid
Provide Scope of Service Document to client, sign and email to admin support, in this document it must be clear any limitations to the service you a providing
Email or text evidence of conversations with client regarding meeting days, time and outcome use Debrief form (Client Interaction Form)
Stage 2 – Gather Data
During this stage, you should be gathering data and defining clear goals for your client. Goals should be expressed using the “SMART” acronym: specific, measurable, achievable, realistic, and time-bound. Use the One Page Plan or Fact Find document that is your preferred method of collection.
Evidence must include:
The Scope of Service document should be referred to in order to outline what will be analysed and what will not be
Establish the clients Goals, priorities and objectives – include a timeline
Establish client’s current financial position and personal situation
Collect proof of identification (Drivers Licence, Passport)
Establish a risk profile – remember they are different depending on
Insurance Risk Profile
Investment Risk Profile
Use the relevant online tools
Gather all existing client information; current insurance (products, amounts, providers) savings and KiwiSaver information
Any time you email or call the client to collect information – complete a Debrief form (Client Interaction Form)
An email confirming the Fact Find with the client
Stage 3 – Analyse and Evaluate
During this stage, you should ensure that the client file contains enough evidence to show what research has been undertaken in giving the advice. All of the evidence should be saved under the CRM Client name, an adviser can email the admin support staff to ensure this is completed. Do not rely on ‘adviser thoughts’ – provide proof you work through options.
Evidence must include:
A note stating any documented assumptions that were made – repeat current situation, goals and needs, limitations
Document of independent research reports
Attaching a copy of the any reports or quotes to your background notes to support the recommendation you arrive at; this is the beginning of the Statement of Advice – you can use the SOA as a draft to work through decisions
Stage 4 – Recommendation and Presentation
During this stage, you should be presenting the client with a recommendation that is clear, concise, and effective. The advice should align with the initial scope and be likely to achieve the client’s goals. Enough information should be provided so that a reasonable person could make an informed decision.
Evidence must include:
An email to the client containing a Statement of Advice, at this stage provide more detailed information about how you get paid – upfront commission, trail
A transcript of a conversation with the client where advice was given if applicable
Ensure that the SOA you provide shows in detail comparisons you made and why you reached your recommendation.
The SOA must be signed by the client – showing acknowledgement of advice and recommendation and agreement to proceed
Use the Debrief form (Client Interaction Form) to document the SOA presentation and confirmation of signing and proceeding
Stage 5 – Implementation
During this stage, the advice and any variations are agreed to and noted. The process to implement the advice is clearly explained to the client when proceeding.
Evidence must include:
Email thread of discussion between adviser and client saved in CRM under client name
Note of a phone call/in-person meeting with a client for agreement to proceed Use the Debrief form (Client Interaction Form) to document
Ensure you have completed a Replacement of Business Form if required
Complete all application forms
Explain to the client the process for underwriting or application and any AML check required, if necessary, explain time take to complete this process Use the Debrief form (Client Interaction Form) to document, explain the offer of terms or acceptance if relevant
Provide the client with any relevant brochures and all contact details for Maurice Trapp Group
Stage 6 – Monitor and Review
During this stage, you should decide with the client how ongoing monitoring will occur and what the client should expect in the future. It should be clear what the respective responsibilities are between the client and yourself.
Evidence must include:
An email to the client explaining what they should expect and to remind them to contact you if anything changes for them Use the Debrief form (Client Interaction Form) to document,
A scheduled activity to contact the client in one year (12-month annual review booked in)
Contract - Joint Venture / Adviser Contract
Preview of the Joint Venture / Adviser Contract
Download the Joint Venture / Adviser Contract here.
Use this contract between an adviser’s independent company and a third party who is referring to the adviser. This clarifies the expectations for the relationship and also makes sure that the third party is aware that Maurice Trapp Group is not part of this arrangement.
Goals and Objectives Form
Preview of the Adviser Personal Goals form
Download the Adviser Goals and Objectives here.
