Guy Ralph

Our health insurance and income protection insurance is a necessary evil when you’re in business. Neil and his team helped us to meet the statutory obligations for ACC which we had never got around to doing ourselves! Guy Ralph, Farm Owner, Fish and Game Board Member; Te Awamutu

Peter Christie

“Neil is always easy to get hold of.” “The reasons I like working with Neil are simple;  he’s very informative, he’s extremely thorough and he’s always easy to get hold of. Neil is a very easy person to talk with.  He lays all the information on the table so we can get straight to the bottom of what we need to to. And I like that.” Peter Christie, Farm Manager; Morrinsville

Dan Swan and Carla Scott

“Neil has explained the different insurance covers to us quite clearly.” Neil has explained the different insurance covers to us quite clearly, what we’re actually covered for and what we’re getting for our buck. Our experience with Neil has been great, especially the service that comes right to our door.  It makes it so easy to have you come to us on the farm.  And the service is very personal and hassle free.  We don’t have to do anything, Neil and his team do it all for us. Dan Swan and Carla Scott, Farm Managers;  Arapuni

Duncan Bluck

“Neil helped me to save money on my premiums which is always a big help.” I’ve been with Neil a few years now and what I like is how he thinks like me – like a farmer – which means he has an understanding of what I do and what happens on a farm. With Neil looking after my ACC it means one less headache for me to worry about, and he saved me money on my premiums which is always a big help. Duncan Bluck, Farm Owner;  Otorohanga

Jason Ham and Megan Owen

Neil has been an integral part of our business team since 2004. His understanding and interest in who we are as a business and a family is the making of a strong relationship. Neil gave us great advice when we claimed for Jason’s hernia back in 2005 and we are confident he will be there for any future claims. Jason Ham and Megan Owen, 50:50 Sharemilkers; Horsham Downs

Bryan and Brenda Wratt

This is the best thing we ever did. The great thing about Neil’s service is that all things are in one place and all we need to do is make a phone call and Neil looks after it all. Neil also looked after our ACC and got us onto the right cover, so when I broke my shoulder in 2009 and have to have it re-operated on in 2012 we had no issues with claims and ACC. Bryan and Brenda Wratt, Farm Owners;  Waitoa

Jason and Lisa Suisted

“Neil keeps up with the changes and understands our farming business” We had life insurances, but did not know what we had, what it covered us for or whether we were paying too much. Neil changed all that by listening to our needs and then coming up with benefits that fitted these specific needs that represented better value for money. Since then, as our situation has changed, Neil has kept up by adjusting the benefits and premiums to fit these changes and financial postion. We are glad to have Neil on our team of professionals that has enabled us to get ahead and grow our farming business. Jason and Lisa

Dean and Joy Brogden

“At claims time Neil and his team made our life easy and the money really helped” We have been client’s of Neil’s since 2003, but it wasn’t until 2009 that we really got to appreciate the full service Neil and his team provides. It was early in 2009 that we experienced a health scare in the family that had the potential to severely affect our farming business in an already tough year. Neil dealt with the claims process and kept us up to date. It was reassuring knowing that Neil stood behind the insurance benefits that he had sold us. It was the right cover for us and the claim

Brendon Hunt and Phillip Price

“Neil understands the needs of our clients and is realistic with his advice” As a farming specialist Neil understands the needs of our clients and provides easy to understand advice. We are impressed with the processes he uses and his knowledge of the different products to fit specific needs. Neil is a team player and is easy to work with. This joint approach ensures our clients have confidence in the solutions we come up with together. Brendon Hunt and Phillip Price, Partners; Graham Brown and Co. Putaruru and Tokoroa www.grahambrown.co.nz

Steve and Angela Murray

“Neil is easy to work with and takes all the guess work out of insurances.” Neil has been our life insurance specialist since 2006 over which time we have seen significant changes to our farming business with increasing cow herds and the purchase of our first farm. The products Neil selected for us have given us flexibility to change with our needs while taking advantage of fixed premium options to control long term premium costs. We understand what we are paying for and have peace of mind that Neil is looking out for our best interests. He is interested in our success and has provided us with good contacts to

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Buy/Sell Agreement

A buy/sell agreement runs alongside a partnership/shareholders agreement.

It is put in place to protect the partners and shareholders of a business and states that should a partner or shareholder leave the business for any reason the remaining partners/shareholders must buy the exiting partner’s shares for the rightful market value.

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Buy/Sell Agreement

A Key Person can be an owner, a shareholder, or an employee.

This means that a Key Person can be any one person, that should they be unable to work, would result in a decline in profit and/or value of the business.

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