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XBX - Insurances &amp; Kiwisaver

XBX Insurances & Kiwisaver offers a wide range of insurance options and Kiwisaver plans for individuals in New Plymouth. Our expert advisors can help you secure your future with the right policies and investment options. Whether you are looking for life insurance, health insurance, or retirement planning, we have you covered. Contact us today to learn more about how we can protect your financial future.

Welcome to XBX Insurances and Kiwisaver. Based in Taranaki with over 20 years experience in the financial services industry. Proud of being part of our clients' journeys in choosing the right protection for their family or business.We are members of <a href="https://financialadvice.nz/" rel="noopener noreferrer" target="_blank">Financial Advice NZ</a>, the professional body for Financial Advisers. Working for you, not the insurance companies

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Protecting Your Future with XBX Insurances & Kiwisaver

Explore a wide range of comprehensive insurance options to protect you and loved ones.Trust XBX for honest, no nonsense advice tailored to your needs.

Comprehensive Insurance solutions

Plan for a secure future by investing in the funds that are right for you.Wellington based Booster kiwisaver is a New Zealand owned and operated kiwisaver provider with the financial wellbeing of all Kiwis at heart.Begin your journey towards financial stability and retirement.

Booster Kiwisaver Plans

Experience personalized service that prioritize your needs as well as your financial goals and aspirations. At XBX, we are committed to your ongoing financial well-being.Let us become part of your life's journey

Personalized Service

<h1>Health and travel&nbsp;</h1><h1>insurance for visitors&nbsp;</h1><h1>to New Zealand coming&nbsp;</h1><h1>to work, study, or live</h1>Plans designed to provide comprehensive cover for New Zealand bound international students, workers, non-NZ residents, visitors on working holiday visas, and seasonal workers.

Visiting or working in New Zealand

Our Services

What we stand for?

Contact us today for a free review

Protect Your Future

Home

By using the six step advice process we can tailor a solution that makes sense and fits into your budget

<h5>1. Initial Meeting</h5> <ul><li>Getting to know YOU</li><li>Learning about YOU, your goals and objectives</li><li>Establishing the advice services YOU will require</li></ul><h5> </h5>

<h5>2. Gathering the Facts</h5> <ul><li>Completing a profile of your personal and financial goals</li><li>Developing a clear picture of your situation</li><li>Establishing what suits your needs</li></ul><h5> </h5>

<h5>3. Agreeing On The Service</h5> <ul><li>Discussing our services </li><li>Agreement for us to prepare specific advice</li></ul><h5> </h5>

<h5> </h5><h5>4. Preparing The Advice</h5> <ul><li>Analysing possible strategies and options</li><li>Researching relevant and potential products to suit your needs</li><li>Preparing our recommendations</li></ul><h5> </h5>

<h5> </h5><h5>5. Implementing the Plan</h5> <ul><li>Helping you understand the recommendations</li><li>Assisting you with the implementation / application process</li></ul> <h5> </h5>

<h5> </h5><h5>6. Agreeing On The Implementation</h5> <ul><li>Getting your permission to proceed</li><li>Implementing the agreed strategy</li><li>Documenting administration</li></ul>

<h5>Ongoing Support and Review</h5> <ul><li>Regular check-ins to ensure your plan stays on track and relevant</li><li>Reviewing your financial goals and adjusting strategies as needed</li><li>Providing continuous support and guidance</li></ul>

Our Advice Process

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Companies we deal with

Local service provided free of charge

The 'WHY"

Solution

﻿Lisa Kasperski<h4> Financial Advisor - Director</h4>(FSP80621)

Sonja Barrett<h4>Financial Advisor - Director</h4><h4>(FSP 427766)</h4>

Our Team

Contact Us

Empowering Your Financial Future with Secure Insurances and Kiwisaver Solutions. Trust Xbx for your financial needs today.

Welcome to XBX

Our Journey

Sonja Barrett

Meet Our Advisers

About Us

We collect personal information to provide better Insurances and Kiwisaver services. Your data is encrypted and stored securely.

Information Collection

We prioritize data security. Our systems are regularly updated and monitored to protect your Insurances and Kiwisaver related information.

Data Security

Your data is safe with us. We do not disclose personal information to third-parties for any purpose unrelated to Insurances and Kiwisaver.

Third-Party Disclosure

We may use cookies to enhance user experience. Cookies help us serve you better regarding Insurances and Kiwisaver solutions.

Cookies Usage

You have the option to opt-out of certain data collection practices. Contact us for details related to Insurances and Kiwisaver preferences.

Opt-Out Options

We may update our Privacy Policy. Stay informed about how we protect your data for Insurances and Kiwisaver by reviewing this page regularly.

Policy Changes

<h2>Introduction</h2>XBX Limited&nbsp; complies with the New Zealand Privacy Act 2020 (the&nbsp;Act&nbsp;) when dealing with personal information.&nbsp;Personal information is information about an identifiable individual (a natural person).&nbsp;This policy sets out how we will collect, use, disclose and protect your personal information.This policy does not limit or exclude any of your rights under the Act. If you wish to seek further information on the Act, you can contact our Privacy Officer by email on&nbsp;sonja@xbx.email or visit&nbsp;<a href="http://www.privacy.org.nz/" rel="noopener noreferrer" target="_blank" style="color: rgb(26, 158, 240); background-color: transparent;">www.privacy.org.nz</a>&nbsp;for further information.Changes to this policyWe may change this policy by uploading a revised policy onto the website. The change will apply from the date that we upload the revised policy.What is personal information?Personal information is information about an identifiable individual. It includes (but is not limited to) name, address, contact details, date of birth, occupations, payment details, employment history and/or details, education and qualifications, financial information, testimonials and feedback, evidence&nbsp;of source of funds or source of wealth (in some cases) and other information. Third-Party DisclosureYour data is safe with us. We do not disclose personal information to third-parties for any purpose unrelated to Insurances and Kiwisaver. Cookies UsageWe may use cookies to enhance user experience. Cookies help us serve you better. Opt-Out OptionsYou have the option to opt-out of certain data collection practices. Contact us for details related to Insurances and Kiwisaver preferences. Policy ChangesWe may update our Privacy Policy. Stay informed about how we protect your data by reviewing this page regularly.How we use your personal informationWe will use your personal information:<ul><li>to verify your identity</li><li>to provide services and products to you</li><li>to market our services and products to you, including contacting you electronically (e.g. by call, text or email for this purpose)</li><li>to improve the services and products that we provide to you</li><li>to respond to communications from you, including a complaint</li><li>to protect and/or enforce our legal rights and interests, including defending any claim</li><li>for any other purpose authorised by you or the Act.</li></ul>Disclosing your personal informationWe may disclose your personal information to:<ul><li>other companies or individuals who assist us in providing services or who perform functions on our behalf (such as mailing houses, hosting and data storage providers, specialist consultants and legal advisers);</li><li>Product providers (such as but not limited to lenders and insurance companies);</li><li>Financial advisers and financial advice providers who may use our services;</li><li>other companies or individuals who perform checks (such as but not limited to compliance reviews and audits) that are necessary or desirable under law on our behalf;</li><li>other companies, agencies or individuals that maintain databases against which your identity may be verified, which may include (but is not limited to) the New Zealand Department of Internal Affairs, and New Zealand Transport Agency;</li><li>social media sites on which we may have a presence;</li><li>courts, tribunals and regulatory authorities (such as the Financial Markets Authority, and Ministry of Justice in New Zealand);</li><li>Office of the Ombudsman, where a complaint relates to official information;</li><li>any person or agency we believe could assist in responding to a serious privacy breach.</li><li>Office of the New Zealand Privacy Commissioner, where a complaint relates to breach of the Privacy Act 2020;</li><li>Human Rights Commission, where a complaint relates to discrimination;</li><li>CERT NZ, where appropriate to assist with the management of a voluntarily notified privacy breach</li><li>Overseas privacy regulator, where a complaint relates to the actions of an overseas agency; and</li><li>anyone else to whom you authorise us to disclose it.</li></ul>Except as described above, we will not disclose your personal information without your written or oral consent, unless we are required to do so&nbsp;by applicable lawProtecting your personal informationWe will take reasonable steps to keep your personal information safe from loss, unauthorised activity, or other misuse. Our software is subject to audits to ensure it is continuing to meet security requirements. All data handled in our software is encrypted in transit and during storage and can only be accessed over secure network connections.Storing your personal informationWe will only retain personal information as long as it is required for the purposes for which the information may lawfully be used. All data stored online is backed up and can be retrieved in the event of data loss or corruption.Accessing and correcting your personal informationSubject to certain grounds for refusal set out in the Act, you have the right to access your readily retrievable personal information that we hold and to request a correction to your personal information. Before you exercise this right, we will need evidence to confirm that you are the individual to whom the personal information relates.&nbsp;In respect of a request for correction, if we think the correction is reasonable and we are reasonably able to change the personal information, we will make the correction. If we do not make the correction, we will take reasonable steps to note on the personal information that you requested the correction.If you want to exercise either of the above rights, email us at&nbsp;sonja@xbx.email.&nbsp;Your email should provide evidence of who you are and set out the details of your request (e.g. the personal information, or the correction, that you are requesting).Data BreachesOur Privacy Officer has processes and systems in place in the unfortunate event of a data breach. If such an event occurs, we will promptly identify, report and examine a personal data breach.Internet useWhile we take reasonable steps to maintain secure internet connections, if you provide us with personal information over the internet, the provision of that information is at your own risk.If you follow a link on our website to another site, the owner of that site will have its own privacy policy relating to your personal information. We suggest you review that site’s privacy policy before you provide personal information.We use cookies (an alphanumeric identifier that we transfer to your computer’s hard drive so that we can recognise your browser) to monitor your use of the website. You may disable cookies by changing the settings on your browser, although this may mean that you cannot use all of the features of the website.We may use information about your use of our websites and other IT systems to prevent unauthorised access or attacks on our software. We may utilise services from one or more third party suppliers to monitor use of our systems. These third-party suppliers will have access to monitoring and logging information as well as information processed on our websites and other IT systems

Privacy Statement

Privacy Policy

Licensing InformationXBX Limited (FSP1009279) trading as XBX Insurances and KiwiSaver holds a licence issued bythe Financial Markets Authority to provide financial advice. The following Financial advisers are authorised under that licence to provide financial advice.Lisa Kasperski - FSP80621Sonja Barrett - FSP427766 Full details can be found on the Financial Service Providers Register https://fsp-register.companiesoﬃce.govt.nz/ XBX provides advice about life &amp; health insurances from the following companies:Asteron - Accuro - Chubb - AIA - PartnersLife - ResolutionLife - Fidelity - NIB - Southern CrossKiwisaver: Booster We not charge fees for the financial advice we give to our clients. Our financial advisers receive commissions from the Insurance / KiwiSaver providers we givefinancial advice on. The amount of commission is based on the amount of the insurance premium or the KiwiSaver balance. We have policies and procedures in place and follow an advice processthat ensures our recommendations are based on your goals and circumstances. We undergo anannual compliance review and have continued professional development plans in place. Our duties to you-Give priority to your interests by taking all reasonable steps to make sure our advice isn'tmaterially influenced by our own interests.-Exercise care, diligence, and skill in providing you with advice.-Meet standards of competence, knowledge and skill set by the Code of Professional Conduct forFinancial Advice Services (these are designed to make sure that we have the expertise needed toprovide you with advice).-Meet standards of ethical behaviour, conduct and client care set by the Code of ProfessionalConduct for Financial Advice Services (these are designed to make sure we treat you as we should and give you suitable advice).

Disclosure

XBX - Disclosure

Highlight important events and key information regarding each event.

If you are not happy with our service or wish to make a complaint please contact Lisa or Sonja directly via phone or email.We have an internal complaints process and want to deal with your concerns promptly and fairly. We aim to respond within 5 working days from the date of receipt.If you feel that your complaint has not been resolved, you then have the option to take your complaint to an independent dispute resolution service. We belong to the Financial Dispute Resolution Service (FDRS). This is a free service.Their contact details are as follows: Freephone: 0508 337 337Email: enquiries@fdrs.org.nz Post : Freepost 231075PO Box 2272Wellington 6140 Website: <a href="https://fdrs.org.nz/" rel="noopener noreferrer" target="_blank">https://fdrs.org.nz/</a> You also have the right to address your complaint to the Financial Markets Authority (FMA).Details of the FMA complaints process are available on the FMA website at<a href="https://www.fma.govt.nz/" rel="noopener noreferrer" target="_blank">https://www.fma.govt.nz/</a>

What you need to know about making a complaint

Complaints

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Important Information

Insights for you

Blogs

Provides funds to cover funeral and estate costs, mortgage debt, etc and ensures your loved ones are financially looked after.

Life insurance

Provides a cash injection to cover expenses if you suffer from one of the many specified conditions, such as heart attack, cancer, stroke, etcenabling you to focus on your recovery rather than the finances

Trauma &amp; Total permanent disability

ensures your income continues and you can pay the bills if you are sick or unable to work due to an accident

Income and Mortgage protection

Protects your business/Farm by providing funds to cover running costs and to replace the key person in your business

Business expense cover, Key person Business/ Farmers disability

Instead of going on a waiting list to access the public health system you are able to access private medical treatment.Options range from basic hospital cover to specialists, GPs, dentist &amp; optical as well as alternative providers

Health Insurance

Ensuring your money is getting the right returns based on your investor profile

KiwiSaver

We work with experts in this space and can refer you to our trusted Partners

We refer House,Car and contents / commercialand Mortgage advice

What we give advice on

We put your interests first, providing expert advice and ethical conduct in line with industry standards.

We give top priority to your interests, ensuring our advice is unbiased and focused solely on your needs.

Prioritize Your Interests

Our team exercises care, diligence, and skill in providing you with tailored advice to meet your financial goals.

Expertise and Diligence

We adhere to strict ethical standards and client care practices to ensure you receive trustworthy and suitable advice.

Ethical Standards

Providing comprehensive insurance and Kiwisaver solutions tailored to your needs for a secure financial future.

Tailored Financial Solutions

Our Duty to you

FAQs

What we do

Ensuring financial stability and growth for families is a priority, Lisa joined the profession in 2006 as a personal assistant and during that time gained a wealth of knowledge in the profession, working behind the scenes.In 2011 Lisa qualified as an Authorised Financial Adviser (AFA) and offers her clients advice in all aspects of personal insurance.As a mother of 2 children, she is in a good position to help families put together an effective insurance plan. Phone: 027 211 8335 or email: lisa@xbx.email<img src="https://s3.amazonaws.com/media-prod.butternut.ai/website_images/677dc27558d62aea038882e8/e5f97d0e-6010-47fd-8289-74f13c514282.png">

Lisa Kasperski

About Lisa

At XBX Insurances & KiwiSaver, we are dedicated to supporting you on your financial journey. Hear what our clients have to say about their experience with our insurances and KiwiSaver services.

What Clients say

Lisa Kasperski

Sonja Barrett

About Sonja

What clients say

At XBX Insurances &amp; Kiwisaver, we understand the importance of securing your future financial well-being. Our tailored insurance plans and Kiwisaver options provide peace of mind and stability for you and your loved ones. With a focus on personalized solutions and expert guidance, we are committed to helping you navigate the complexities of insurances and Kiwisaver to make informed decisions. Trust XBX to safeguard your tomorrows.

XBX Insurances &amp; Kiwisaver

XBX Insurances & Kiwisaver in New Plymouth

At XBX Insurances & Kiwisaver in New Plymouth, we strive to provide the best solutions for your insurance and Kiwisaver needs. Our team of experts is dedicated to helping you navigate through the various options available and find the perfect plan that suits your requirements. Whether you are looking for life, health, or retirement insurances, or planning for your future with Kiwisaver, we are here to assist you every step of the way. Trust XBX Insurances & Kiwisaver to protect your assets and secure your future.

Important Information for Insurances & KiwiSaver in New Plymouth

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Sonja Barrett

<h1>OrbitProtect offer plans designed to provide comprehensive cover for New Zealand bound international students, workers, non-NZ residents, visitors on working holiday visas, and seasonal workers.</h1> Cover is also available for parents on the parent boost visa

<h1>Health and travel&nbsp;</h1><h1>insurance for visitors&nbsp;</h1><h1>to New Zealand coming&nbsp;</h1><h1>to work, study, or live</h1>