Business Partners

We greatly value the support of the adviser community. Advisers remain the primary nexus between our service and policyholders wanting to access cash from their policy, and adviser referrals continue to make up the majority of transactions we complete each year.

If you wish to obtain a quote for a client, or receive our market updates please use the below links. Or feel free to Contact Us with any queries.

Sell A Policy – Request A Quote

Notify Policyholder - Sale Option

If you prefer to not get involved in the transaction process, you can simply notify the policyholder about the sale option here. We’ve pre-populated the message field below with suggested content. You can modify the message as you wish or send it just as it is.
Name of Policyholder / Client*
First Last
Policyholder / Client email address*
Name of Adviser or Adviser Practice*
First Last
Adviser or Adviser Practice email address*
Contact phone number of Adviser or Adviser Practice*
Your message to policyholder
We understand you wish to access the full cash value of your life insurance policy, and have initiated a surrender request with the life company. Please note, surrender is just one of two full cash out options available to you. Sale Option If you need to cash out of your policy completely, you might like to consider selling your policy on the secondary market and getting a higher cash payout. Policy Exchange has helped thousands of policyholders since establishing the secondary market in 1996, and you can find out about them at www.policyexchange.co.nz. The documentation for selling a policy is very similar to the surrender process and if you’re interested in this option, either contact Policy Exchange by phone on 0800 476 542 or forward this email to info@policyexchange.co.nz. They’ll be able to determine very quickly whether they can assist, and guide you through the next step.
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Market Updates

2020 Predictions; Even Quicker Payouts; Foundation Life Offer Available Now.

February 2020

January inevitably brings predictions for the coming year, and the financial services industry is no exception.

Policy Lapses: Industry Stats; When to Help Clients With Spiralling Debts

November 2019

Every week we field enquiry from advisers and policyholders about cashing out a whole of life or endowment life policy.

Cashing In Bonuses – When You Should Do It

July 2019

We regularly come across policies where bonuses have been cashed out to free up funds. But an alternative option offers flexibility and better value in certain circumstances.

Largest Tranche of AMP Policies Surrendered; Regular Cashflow – Lump Sums Case Study

April 2019

The owner of a tranche of policies, collective value $1M plus, who recently surrendered likely missed out on tens of thousands of dollars.

Busy Start to 2019; Campaign for Orphaned Policies

Feb 2019

We’ve had the busiest start to a year for some time. We’re about to start a radio campaign to raise awareness of exit options amongst owners of ‘orphaned’ policies.

Asset Decumulation: Innovative New Options for Retirement and Estate Planning

August, 2018

A new range of exit options for certain types of life insurance policies allows owners to access policy funds prior to maturity – without fully exiting the policy.

AMP Exit: Its Effect on NZ’s Secondary Insurance Market

October 2018

In 2019 AMP plans to sell its legacy business, reportedly $5.87 billion of assets, to Bermuda-based ‘zombie’ fund Resolution Life.

Funding Retirement; Flexible Cash-Out Options

February, 2018

More life policies are being cashed up early to fund retirement. We’re investigating flexible cash-out options. Adviser remuneration reminder. Policyholder privacy.

A Simple Alternative to Reverse Mortgages Which Can Save Money

November, 2017

Asset rich, cash poor? Asset decumulation is the new black. Find out if it’s better to take out a Reverse Mortgage or to cash in a life insurance policy, considering ‘overall net wealth’.

Life Policy Trading: distributing funds while still living

September, 2017

High property prices and changing priorities of ageing clients means we’re seeing more policyholders becoming creative in how they pass on their legacy.

Life Policy Trading: Exploring Options Other Than Cash; the US Life Settlements Market

October, 2017

Watching the US Life Settlements market closely, we’re testing demand for exit options involving partial sell-downs while retaining a portion of the policy for funeral cover.

Macro Trends: high persistency rates, retirement income, financial distress

August, 2017

Persistency rates are relatively high, matching the pre-retirement asset accumulation phase. Supplementing retirement income is growing in importance for policyholders, and financial distress is causing a rise in Endowment surrenders.

Life Policy Trading: Lost policy documents, and policies already surrendered

July, 2017

How to trade a policy when the policy documents are lost, plus how to use the one-month cooling off period to reinstate a policy and gain some extra money for your client.

Life Policy Trading triggers: when circumstances change

June, 2017

Changes in financial and life circumstances (e.g. divorce, financial hardship, or death of a beneficiary) can often be a trigger for advisers to check in with a client regarding whether their financial needs are being served with their current portfolio.

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