When you “really need” Jeff
My story starts like most others, when I was working the business ladder, buying a house, starting a family, trying to save for travel and toys and pay insurance at the same time.
Jeff and I started the insurance process in 1995, and what I learnt from it is that insurance is moving target and you must review your insurance on a regular basis to reflect your current work and financial position. So with Jeff’s guidance I did this, and then “all hell broke loose”.
Strike 1 – My wife was diagnosed with multiple myeloma and started the cancer treatment journey. Because we had had both life and trauma policies we were able to draw on our trauma insurance to help up with that journey.
Strike 2 – After a long 4 year battle with myeloma my wife became terminally ill. Again we were able to call on our life policy to establish our family’s financial security.
Strike 3– Then as a bolt from the blue I became sick and was advised I had pancreatic cancer, which was attacking my liver. I immediately had to start cancer treatment and stop work. Again thanks to Jeff we were able to call on my Life and Traumainsurances and in addition my income protection insurance that we had established during our review meetings.
For those who follow softball and baseball – Strike 3 means you’re out. Hopefully with modern medicine and other options like some science based natural health products Jeff has introduced us to, I can live to bat another day.
So when we really needed Jeff he was there for us. Jeff’s support throughout this process was simply outstanding, and his relationship with the insurance providers, AMP, PartnersLife and Asteron was unbelievable, as we had no hassles at all with our policy claims.
Allan & Tere Sage, November 2016
Jeff Tobin is our trusting, reliable, kind & caring insurance agent and friend.
Our homes, businesses, vehicles, life and income protection insurance have been in his capable hands for the past 30 years, during any claim Jeff has been alongside us all the way making the process simple and efficient.
During a downtime in our business Jeff suggested taking out income protection insurance, which we did for my husband. 2 years later my husband was diagnosed with Metastatic Melanoma and our long journey began, having income protection meant we had the income to employ another staff member and take the load from my husband, unfortunately his disease became terminal and having life insurance paid out early enable us to pay for an unfunded drug, our last hope.
My husband lost his battle 3 months ago, before his passing he asked Jeff to lead his funeral that’s how much respect and friendship Jeff had built with our family over the years.
I could not imagine the financial stress I would have had without our insurance, since my husband’s passing I have taken out a new medical insurance, which will cover unfunded drugs, my 25 year old son has also taken out life and medical insurance through Jeff. I feel financially safe knowing we have covered all bases.
Jeff, I could never thank you enough for your advice on all our insurance needs over the years, you are an expert in your field and I would recommend anyone starting out in life to speak to Jeff on their insurance needs.
Deb Moncur June 2016
I would very much like to thank you for your assistance when I was making a claim for my recent operation. Your attention to detail helped the application go smoothly. I would also like to thank Partners Life for their consideration and approval. Both you,Jeff and Partners Life helped in a rushed stressful situation.
Dorothy Viljoen, November 2015
"In July of this year owing to a company restructure
I was placed in a very unfortunate situation and for
the first time in my life I had to implement a mortgage
protection insurance policy. The understanding and service
that I received from all at Tobin Insurance Services
and Asteron Life was excellent, it way exceeded my expectations.
I would have absolutely no hesitation in recommending
them to anyone considering taking out this type of insurance."
Chris R, Cambridge, Dec 2013
"I needed insurance in buying a home and was referred
to Jeff in 2003. Little did I know then that it would
later prove to be my lifeline to future financial security.
Taking out disability and income protection was a wise
choice advised by Jeff at the time.
I realised the value of insurance when I was diagnosed
with a rare disease which has disrupted my life but
at least left me with options financially. Jeff has
been there to advise and guide me through a difficult
claim period. I learned the hard way that I needed to
fill in my initial forms correctly. Jeff has helped
me in the aftermath and I am indebted to him for this.
I cannot recommend Jeff enough for his advice and support
through this difficult process. Not only did he help
with it but he also introduced me to a health product
called product B which has reversed some
of my symptoms and pointed my wife and I into a healthier
direction. The Isagenix range has put us firmly onto
a healthy path for the future.
Thank you Jeff for all your help and support."
David Miles, 29 April 2013
"Jeff has been a family friend and trusted advisor
for over 2 decades. Even when the family unit broke
up, Jeff continued to provide advice for all of us that
ensured our changing circumstances were adequately covered.
Recently life changed again and Jeff has been able
to ensure that the latest addition to the family is
also protected as well as the rest of us. If not for
Jeffs comprehensive attention to detail, my own
lack of attention would have made a recent switch of
insurers a bit of a disaster! Fortunately Jeffs
record-keeping is second-to-none and I was rescued.
Jeffs policy knowledge and ability to relate
this to changing personal and family commitments is
excellent. Anyone looking to put their insurance needs
in the hands of someone who has only the clients
interests at heart, cant go past Jeff."
Paula Browning, CEO, Copyright Licensing Ltd
Jeff, I wanted to thank you for all your help
during Michaels illness. I always thought that
we were over insured but when he became ill, his Income
Protection Insurance was a godsend. It enabled Michael
to stay in his own home and reman independent with money
coming in every month. It allowed him to spend time
with the children and still support them and himself.
It meant that he could still pay his mortgage and leave
his house to the girls as an asset for their future.
Above all, despite his on going illness it gave him
some dignity, independence which was always important
The lump sum payments upon his death took care of the
funeral expenses which was a great help also. Having
his life insurance paid out before his death was also
very reassuring for him and gave him peace of mind.
Once again, thanks for all your help and professionalism
and support. As difficult as the past few years have
been there was great comfort on knowing that Michaels
affairs had been well taken care of.
"My name is Kayla, my husband Michael and I had
Jeff as an insurance advisor for the past 3 years. When
first taking out our policies Jeff mentioned mortgage
protection insurance which covers bankruptcy and redundancy.
At the time we thought nah well be right
but after listening to Jeffs advice and with the
premiums being so reasonable anyway we decided to go
Recently Michael was made redundant which left us struggling
to pay our mortgage on my wage alone. Within 10 minutes
after a phone call to Jeff we had all the claim forms
emailed to us. We completed them and before lunch time
the following Monday we had confirmation our claim was
accepted and we were covered, and a huge weight was
lifted from our shoulders. We would just like to thank
you Jeff, without your awesome advice and then your
swift work we were at risk of losing our home."
Michael and Kayla Samuelson
"15 years ago when I turned 50 and my health insurance
requirements were under review, Jeff pointed me in the
direction of a new policy being marketed by Tower Insurance.
There were some Payback Benefits that I did not fully
understand at the time, but Jeff assured me it was a
good policy for me. As time went by I kept paying my
health premium, and was comfortable that I was covered
for most hospital treatments. I had forgotten about
the 15 year maturity clause, so I was surprised and
delighted to receive a call from Jeff recently telling
me that Tower had a substantial cheque for me.
The main responsibility for health must of course be
with the individual, but it is comforting to have a
robust health insurance policy, and this particular
plan from Tower also returned my premiums less any claims.
Thank you Jeff for advising me on this policy."
In 2004 I suffered a seizure and woke up in hospital.
I was diagnosed with cancer and as a consequence could
no longer work in my trained occupation as a sheet metal
tradesman. If it wasnt for the excellent advice
from Jeff to insure my income and take Life, Trauma,
Total and Permanent Disability insurance, I would have
to get a low paying unskilled job instead of the job
I was trained for or go onto a low paying sickness benefit.
Since January 2005, my insurance company has paid out
my income protection benefit which continues to age
65 years. I have received in 2005 a lump sum payment
for both my Trauma and Permanent Disability insurance
and in 2009 thanks to Jeff, I have been paid out the
remainder of my Life insurance cover.
Desiree and I have known Jeff for many years. We were
very pleased we had these insurances in place as recommended
by Jeff. The claims have been paid without problem and
having the regular income payment from the insurance
policy as well as the lump sum payments has made a positive
difference for us. We recommend Jeff for insurance advice
and are pleased with the service he provides.
Derek and Desiree Ward
I was informed that I required an urgent operation
to replace a faulty Aortic Heart valve. This was to
be done in only 14 days at a cost of approximately $37,000.
My medical insurance was arranged though my broker Jeff
Tobin who expedited the approval of the charges and
notified Mercy Hospital, therefore no charge to me on
admittance. After the operation I handed all accounts
to Jeff who duly forwarded them to my insurer Tower
Health, who paid the accounts promptly. As a result
I would certainly recommend anyone requiring health
insurance to contact Jeff to arrange their cover.
"Jeff Tobin has been David in a Goliath battle
with a large insurance firm for the past year on my
behalf. After consistent follow-up, Jeff managed to
resolve the situation, a feat for which I am whole-heartedly
grateful. Jeff then advised on a more suitable policy
for me, clearly and concisely. Above all, Jeff remained
professional, and more importantly, was exceptionally
pleasant to deal with. I am happy to recommend Jeff
in writing or via phone to any potential customers.
Thanks again, Jeff."
"My husband and I have been clients of Jeff Tobin
since early 2007, we gave him a call on advice from
my family who have dealt with and continue to deal with
him. I have been amazed at the level of care and service
that has been given to us. At each step, everything
has been clearly explained, Jeff has asked questions
(and listened to the answers!) to find out our situation
and our needs, then he has made a recommendation that
he feels will be best for us. When we have needed advice
or changes made to our insurances, he has been there
personally, and promptly to help us through.
Now, we are moving to Sydney. We will continue to deal
with Jeff for all the insurances we can as I do not
believe that we will find what he offers anywhere else.
We could not have made a better man to be on our team."
Always friendly service, make you feel he has
your best interest at heart. Claims have always been
settled easily with a minimum of issues, that makes
me feel that Jeff has picked the best policies for us,
very reassuring after hearing horror stories from friends
about policy claims.
Teresa Fernandez and Euan Bailey
"I had suffered a total loss house fire and called
my broker Jeff Tobin, who got in touch with the insurer,
Vero Insurance straight away. I received an excellent
response to the claims costs, a fair price was established
to rebuild the property, the settlement process was
absolutely faultless and the excellent settlement was
in my favour, having a broker intervening smoothed the
process and made the claims process painless."
Note: (Due to circumstances, Rob did not want to rebuild
on the site of the fire, as Robs broker I was
able to negotiate with the insurer to obtain a fair
settlement so that Rob could rebuild on his preferred
site - Jeff Tobin). For Robs full story refer
client newsletter December
"I woke one morning gasping for air, with major
pains in my neck and pain below my rib cage. I didnt
realise it at that moment but I was having a heart attack.
After consulting my GP later that day I was admitted
to North Shore hospital and was stablised. The following
week I was operated on and given a balloon stent with
angioplasty. When you are lying in a hospital bed and
you are told there is something majorly wrong with you
life threatening, the last thing you need to
be worried about is financial problems and how the bills
are going to be paid if you become critically ill-or
die. I knew the insurance policies we put in place a
few years earlier would look after the family to the
extent that I did not have to worry. That took away
a lot of the stress that causes post-heart attack problems.
At the age of 44 there is still a lot of income earning
potential that my family are relying on. I was off work
for eight weeks.
My heart drugs now cost an additional $70 per month
and will cost more as I get older. The prospect of paying
for additional medication was initially very worrying.
I lost two months wages, the heart attack happened right
on Xmas holidays with extra costs of Xmas and holidays,
it would have caused a lot of stress on my marriage,
but I didnt have to worry that is the difference.
My Trauma insurance and Income Protection insurance
taken out because of Jeffs earlier insurance recommendation,
had effectively removed any financial worries I and
my family might otherwise have had."
Mark Rewa (For Marks full story
refer client newsletter Autumn/Winter
"At the age of 32 years it was the biggest shock
of my life, having found breast cancer and being told
I was going to lose one of my breasts. I called Jeff
to see if I had to disclose this to my life insurance
company. Jeff advised me that not only did it not affect
my existing insurance but that I had a probable trauma
insurance claim. Jeff got onto the claim straight away
and AXA paid out really quickly, they were brilliant.
We applied the bulk of the trauma claim money to our
mortgage which took away some financial pressure for
us during what was a very stressful time for the family.
I thoroughly recommend to women of all ages, if they
have any lumps, bumps, odd shapes on their breast not
to hesitate to go to your doctor and get recommended
to have a mammogram, if it wasnt for my radiographer
and doctor I would possibly not be alive today."
Andrea. (NZ Breast Cancer Foundation NZ
toll free 0800 902732) For Andreas full story
refer client newsletter Summer
Dee and I have been assisted with our insurance
and dealings with Jeff Tobin for the past 11 years.
We have had the pleasure and good fortune to have always
been provided with beneficial insurance policies, together
with sound advice by Jeff. Claims and enquiries on these
policies have always been dealt with in the utmost professional
and efficient manner. We still hold insurance policies
with Jeff, and we will continue to do so. We would also
undoubtedly recommend Jeff to anyone who requires his
services and advice.
Nick and Dee Banfield
Excellent all round service, thank you Jeff
for all your hard work.
Lionel and Melanie Devonshire
Very happy with Jeffs service, always returns
calls promptly and does whatever he can to be of assistance.
Tracey Moran and Damian Strickett
Jeff has helped us with two blown microwave claims
and a carpet claim. We were very thankful and impressed
how efficiently Jeff dealt with the claims and we were
happy with the outcomes. Jeff is always available and
quick to help in any insurance matters.
Graeme and Judy Morris
"Vero was just awesome when it came to handling
our claim. They acted quickly and removed as much of
the stress from the flood as possible by organising
and supervising the drying and arranging the trade companies
for the repair. We wouldnt hesitate to recommend
them. We were very impressed."
Michael and Kathryn Hawthorne
In all the years we have held this service with
you, things have been very good. It is good to know
that should there be any problem or advice needed, you
are only a phone call away.
"Thanks for your assistance in getting Richardss
premium reviewed - we are now paying less than half
Which makes a huge difference to our budget - almost
like Richard had a wage rise!!"
Note: No existing insurances were replaced
by any new policies to obtain the premium saving. A
review was undertaken with the existing insurer of many
years and a more favourable premium rate struck due
to an improvement in health. The integrity of the terms
of cover of existing life policies was maintained.
Always happy with Jeffs prompt service.
We have total peace of mind all will be in order if
and when a claim arises.
Danny and Lynn Aitken
Excellent Service always, thanks to Debbie, Elaine
and Jeff for speedy, help and friendship. Long may it
In Ling Ng and Poi Keng Ng
Very good medical insurance claims service, we
are very happy.
Tony and Elena Cairns
Excellent from personal answering service to
fast call back. Great service from all the team.
David and Linda Ewing
Jeffs ability to mix his excellent personality
with his professional attitude is admirable and unusual.
Awesome service! Claims have been easy to organise
and attended to immediately. Jeff always has our information
Kevin and Lorraine Connelly
Fabulous friendly service, it is always a pleasure
to deal with Jeff.
Lindsay Ann Moon
Good service, friendly staff, Jeff always returns
Susan and Aiden Lovelock
Havent had many claims over the years,
but trust Jeff implicitly with it all! And knowing that
we have the best policies for us.
Mark and Annette McCarthy
Always had prompt service and helpful information
provided on request. Can not fault service. Thank you.
Shane and Michelle Morley
Good advice that we can rely on and know is fair
and balanced. Excellent customer service.
Whitey Leat and Cheylin Mayhew-Leat
Service has always been prompt, helpful, friendly
Jeff is very helpful and considerate.
Service is always prompt, Debbie in the office
is very efficient.
Thanks for your great friendly service and making
Excellent explanations and time given when initialising
Meir and Jude Alfassi
Very happy with your service.
Nick and Netty de Boer
It is great to have all your insurance needs
covered by one entity, also to have multiple policies
monitored by one person.
John and Margaret van Kan
You have always responded quickly to our calls
for help when changes need to be made to policies and
we enjoy reading The Tobin Tribune. It always
gives us food for thought.
Selwyn and Anita Stallard
Your service is all that I ask.
Good service-thank you.
Only had one claim and it was handled brilliantly,
which was a huge weight off my mind.
Thanks for your prompt service.
Michael and Joy Dowdall
Excellent service in assisting me obtaining a
Sentinel Loan and recommending a lawyer.
Your service has always been efficient and helpful.
Also very pleasant, which you dont always get
Sean and Jody Pearson
Jeff is great to deal with-Thanks.
Very good service and direct and treats people
Always the best service
Dawn and Tony Rundle
Keep up the great work.
John and Britt Schollum
Peter and Linda Horsley
Dont really have much contact anymore as
we seldom have any claims and our policies are all in
place and ticking along on their own. However, whenever
we have needed Jeff in the past, we have always found
his service 100% excellent!
Marc and Gillian Meier
We have always had good service from Jeff
Carina and Mark Sim-Smith
No problems, great service.
Ilja and Karin Ruppeldt
Your service is always excellent, claims are
made easy with your help and assistance. Thank you Jeff.
Tony and Trish Murray
Good service, send more wine!
Good stuff, keep it up!
Steve and Joan Venter
We are very pleased with the way in which Jeff
conducts the business.
Desmond and Elizabeth Stanaway
Jeff is very helpful.
Very happy with the level of service.
Still very happy with the prompt cheerful service
Mike and Chris Kernot
Great support from Jeff regarding health insurance
Linda and peter Horsley
Always great service.
Wes and Carol Liddy
Excellent Service as always, fast efficient and
Future Dollars When You Need Them The Most"