Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. There were questions asked verbally that were not documented in any way and they are using these to our disadvantage. Over the years I bought high quality tools, manual and powered. Cancellation fee was $75. We have had two quite substantial claims and a burglary when overseas in a different property. Never ever take your vehicle to get repaired there. 3rd year with Allianz. Also they give you a 30% Discount for not having made a claim. Unbelievably rubbish. © 2021 ProductReview.com.au Pty. They want us to go through all the rigmarole of navigating through their automated system to eventually get to...i'm sorry you have called outside of business hours. We have 2 properties and a vehicle insured with ALLIANZ through Julien-Pierre Dauby at ALLIANZ Eymoutiers. Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. If you have property in Australia but live overseas forget it. Here you will find detailed information about Allianz Australia Insurance Limited: address, phone, fax, opening hours, customer reviews, photos, directions and more. Wanting to buy home and contents insurance worth over $3M. Allianz Australia Insurance Limited . Had an accident, I had to choose between fixing myself or going through this particular insurance company. It's 5yo car but with immaculate condition, low kms. How can I talk to someone? Awful customer service. Paid for buildings insurance with contents that included pool items. Allianz Global Corporate & Specialty Pacific (AGCS Pacific), a division of Allianz Australia Insurance Limited, offers an extensive range of corporate insurance and risk management solutions.. Our expertise lies in our Energy insurance, Property insurance, Engineering insurance, Entertainment insurance and Alternative Risk Transfer solutions. Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. For example, read through our review to find out how good the claims process. Once on hold then phone call cuts out. They dont care about complaints anyway as i alreafy submityed several. A free inside look at company reviews and salaries posted anonymously by employees. Mechpro for US Stanley, pressed instead of drop forged spanners, no Snap On tools replaced etc......Read more. 131000 does not connect me with you. Have been with Allianz for 7 years with this vehicle, every year the premium goes up and the insured value of their risk goes down, if you go to the web site and become a "new customer" the premium is less, how does that work? Today, more than 3 million Australians are insured with Allianz. I kid you not, i was on hold....disconnected...... constantly rang back...repeatedly disconnected....then outside of hours for 1.5 hours. We are happy with the service provided. where is your shop near my home (2/28 Leila road Carnegie vic.)? I paid for the cost of all repairs in that vehicle 3 times over before i knew what was happening because it was direct debit and stupidly didn't pay attention. I wasn't happy 1/ that they made me pay the excess,- I was reimbursed a year later. Do not be fooled - any good reviews on other sites are just for ALLIANZ giving information and quotes trying to GAIN your business, the true service, or lack thereof, comes out when one needs to submit a claim !! Chose to go through insurance as I thought it would be cheaper. Making contact is excruciating. Scammers don’t trust them. Frontline service is excellent - just smarten up the folk who select what has been lost/stolen/damaged as replacements. Allianz Australia is one of the countryâs largest general insurers, with over 3 million customers according to its website. Travel Safe to Australia with Bajaj Allianz Travel Insurance. Sorry u NOT get my new car! I believe I am being ignored. Had an issue at my house after a massive storm. I was not happy with repairs. This insurance company denied my claim. Yes good value this is my 2 Nd year with Alliance very happy .was so easy to set up & didn’t have to hang on waiting for some- one to take my call. I have not had to make a claim, so I will keep my fingers crossed. Has anyone here had an experience of a write off with allianz? Surely this is why owners take out insurance. 2,116 Allianz reviews. I'm too old to start again and tried to just settle for a lump sum, without success. I been with Allianz insurance for so many year they only give a 5% discount I was expected a bit more than that because I never claim it for so long. Ridiculous that these companies employ this type of people!After 25 years Come February I will be switching all of our 5 Allianz policies to a more professional insurance company!Don’t go any where near them ! ... As good as in Australia David, Allianz Home Insurance Policy Holder via Allianz website Date published: 2018/08/09 Rating: 5 / 5 stars. I HATE this company. I continue once again to call them back then as i start talking to so called customer service bang...phone disconnects from their end again. Charged twice for CTP. I have been waiting for a month to get some answers from you guys , not really happy with the customer support, I really need my ceiling fixed due this is falling in multiple rooms . Many of the replacements were rubbish (l gave most away as the replacement people promised much yet just delivered cheap third rate quality e.g. Cancellation fee was $75. I had a rear end collision (not at fault). From retail super funds to self managed super funds, view reviewer ratings for the best super funds of 2020! All i want to do is update details for goodness sakes. Yes I probably would have thought that as well and have been with them 30 years. Plus of course you are down by your excess. Absolute mess. Similar opinion? I'm wondering how bad their payment is? Allianz Car Insurance (Car Insurance): 2 out of 5 stars from 682 genuine reviews on Australia's largest opinion site ProductReview.com.au. Spent 40 minutes on the phone with them, and when it was time to pay the premium, they had lost all the list of specified items. We had a burst pipe in the back of our shower that soaked through our bathroom, bedroom and bedroom behind the shower. Allianz travel insurance protects your family holiday, business trip or short weekend away against lifeâs unexpected events. 296559 is the insurer of any life insurance â¦ I kid you not, i was on hold....disconnected......Read more. Use this guide for tips on how to find the car insurance that's ideal for you. The headlights that were BOTH replaced weren't even matching, the paint was not too bad for aback yard job but well below sub standard professional standard. Your trust is our top concern. Companies can't alter or remove reviews from ProductReview.com.au. If you’re looking for cheap car insurance that's also reliable, ProductReview.com.au can help. Most competitive rates & excellent customer service. Read your insurance proposal carefully and document all communications. Well too hard really. All insured with Allianz!!! Further details in the disclaimer. Can’t even get through to them to cancel policy, had to block their withdrawal from my banks side. Allianz Australia Life Insurance forms part of the Allianz Group of companies, a global financial services organisation headquartered in Munich, Germany. We put a claim into Allianz and they did pay us for contents. The grill was definitely the cheapest on ebay and chipped away ithin a few months leaving cheap black plastic dents behind cheap flaky chrome. why have you not contacted me after 6 months regarding my complaint, I was sucked into using you by mazda on my new bt50. Alliance referred the claim to an agent who referred to a building company who sub contracted the work out. It is now 11 months and they are disputing the quotation to fix the damage. Long time customer with Allianz,,, first time claim on house after 25 years , will be waiting 3 months for repairs,,, The Loss adjusters “Crawford and Company “ they engaged are poor and apathetic to say the least , the calibre of the contractor engaged “Townsend” is poor , apathetic and unprofessional to levels of ridiculous! Chose to go through insurance as I thought it would be cheaper. Sorry. When you consider their Premium with other companies, you will understand, why I stay with Allianz. How do they calculate the car's market value? I paid my policy for 8 years without a claim and also I was made to pay the other persons excess fee before work started. Also they give you a 30% Discount for not having made a claim.If you have to make a claim, and you are not happy with the decision made by Allianz, there are Government Departments that you can take your problem to, without having to pay, it is not like going to a Lawyer, which costs money. Thank goodness we never had to make a claim. Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. Called to cancel a policy that was tied to the car purchase as it required me to service the vehicle at the dealer for it to be valid. Awesome 6. Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. We managed to save our home but lost the barn, stables and accommodation which included probably $80 000 in saddles plus tools, horse equipment etc. Unfortunately during this trip I had a total heart block which meant an emergency stay in hospital and the fitting of a pacemaker. I do not know how anyone working there sleeps. Be very careful here because it quickly became apparent we were seriously underinsured on the contents part of the package. We have had two quite substantial claims and a burglary when overseas in a different property. Feel so ripped off and want to change companies but our claim is still outstanding. 296559 is the insurer of any life insurance â¦ We have had no claims to date so cannot comment. Rang Allianz and ask why would it have increased by so much and the only reply I received was "there must have been a lot of claims and payouts". My claim was processed and settled within 3 days. Allianz, Don’t go near them! We have had to go to the insurance ombudsman and are awaiting a decision. Ltd. All Rights Reserved. I have beem with this company for more than 12 years, every year my policy increases, other compainies have the same deals for $600, and I get no loyalty incentives and haven not used my car most of this year due to COVID and will be the same in 2021. Thousands of Australians have reviewed their home and content insurance to give you the inside story on everything from claims handling to customer service. Baaaaad choice. The reviewer stated that an incentive was offered for this review, the value can be improved by offering loyalty rebatesbtw, i did not know the roadside assistance was included in all comprehensive car insurance ?? Absolute mess. Many of the replacements were rubbish (l gave most away as the replacement people promised much yet just delivered cheap third rate quality e.g. © 2021 ProductReview.com.au Pty. Very happy to renew with Allianz. My car's wrecked by the hail. 234708 is the insurer of any general insurance products offered on this website. Bad 6. If you've never heard of it before, this 2 minute read will give you a quick rundown so you can decide if P2P lending is right for you. This has been incredibly stressful. And still no car insurance policy in place. The consultant I spoke with on phone was professional and polite. You can do this by calling 13 10 13 or by completing an online claim form. The lack of communication from your office to me and the smash repairer was terrible and unprofessional. The next step is to contact Allianz Home Insurance as soon as possible to notify them of what has happened. 56 reviews from Allianz employees about Allianz culture, salaries, benefits, work-life balance, management, job security, and more. Allianz are refusing to pay for the loss of the building which were insured for over $900 000. Only problem was long wait times to talk to the claims team over the phone. We’ve sifted through 1000s of car insurance reviews on Budget Direct, AAMI, youi, Woolworths and Australian Seniors. My perception is that the contractors are just buying whatever might suit by category and forget any other criterion that would inform your choice of replacement. Get funked bob should have bought the Toyota. Over the years I bought high quality tools, manual and powered. We have run a horse riding and farm stay accommodation business for the last 17-18 years and have maintained insurance cover through our broker since that time. Write a review on ProductReview.com.au! This is a public forum presenting user opinions on selected products and businesses, and as such the views expressed do not reflect the opinion of ProductReview.com.au. I have a major water damage and the plumbers are working hard to find the leak and repair the damage. Should be give time for renewed.Thankyou very much. Write a review on ProductReview.com.au! Well too hard really. Front-line service is excellent. Good 6. I placed my first claim for impact damage to my home after having my home and contents insurance with Allianz for a few years now. Had a claim which they paid but 1 yr later and wasn’t my fault. Find reviews by customers of Allianz car insurance here. The Allianz story. Your trust is our top concern. It would be interesting to monitor how many similar concerns have been received in respect of the firm that chose our replacement items. These are the best credit cards this year, as decided by ProductReview.com.au reviewers. I have been with Allianz for approximately 8 years and I am happy with the product thus far. They stated that this is a pre existing issue because the house wasnt put together properly 7 years ago. overall rating 4 .9 31 reviews. Allianz Home Insurance (Home and Contents Insurance): 2.2 out of 5 stars from 278 genuine reviews on Australia's largest opinion site ProductReview.com.au. ProductReview.com.au has affiliate partnerships. Allianz has won a Canstar 5-star rating for car insurance many times, starting in 2007. We now have no income as a result of the damage. 2 years now Allianz has been not only lower than other competitors,especially AAMI who I was with for some years and who did really look after me a couple of times, but significantly lower,which ,on a pension now, means a lot to my wife and I,thank you. Establishment and insurance agency at 324 Queen Street, Brisbane City, QLD 4000, Australia. Allianz travel insurance comes in a variety of plans suited to different types of travellers: from basic overseas medical cover without the other frills, through to fully comprehensive annual multi-trip policies. The contractors that source items let you down. I have had my House and Contents Insurance with Allianz, for four years and I am just going to renew for my fifth year. Great value and excellent customer service. Allianz Roadside Assistance is available 24 hours a day, 365 days a year. We have never had a claim. Lift your game employees of allianz, absolutely disgusting!!!!!!!!!!!!!!!!!!!!!!!! The bumper wa...Read more. 3.2. www.allian z.com.au. From retail super funds to self managed super funds, view reviewer ratings for the best super funds of 2020! I tried online to check competitors' premiums to ensure we got value for money. the value can be improved by offering loyalty rebates. We are happy with the service provided.We will continue to insure.We have used Allianz for travel insurance. Fair settlement- Will go back to them for my next car, Allianz Third Party Property Damage Car Insurance, Allianz Third Party Fire and Theft Car Insurance, Included up to $1,000 or market value, whichever is the lesser clalim. A good super fund can make a substanial difference to the amount you retire with. Despite this never happening before, they rejected the claim. Companies can't alter or remove reviews from ProductReview.com.au. Repair quality excellent. Baaaaad choice. The gentleman I spoke with over the phone after I had checked my cover online was particularly helpful in guiding me. Have been with Allianz for 7 years with this vehicle, every year the premium goes up and the insured value of their risk goes down, if you go to the web site and become a "new customer" the premium is less, how does that work?If you call and voice your dissatisfaction then they offer you a discount, but 7 years and 3 different policies doesn't entitle you to the best premium upfront. reviews. Had my car insurance with Allianz and the car was written off unfortunately as it was in an accident within a month of purchase. Your roadside assistance and insurance cover is super we have been with your organisation for over ten years on all our carsEven though your premium is high we find it is good value. We have had no claims to date so cannot comment. Good Value which beats all other car insurance companies but I have never lodged a claim in the several years i have been with allianz insurance I have used the roadside assistance 1 for a replacement battery. With these unethical individuals for 7 years. Allianz is now the lowest to other competitors. 1star is better than this company deserves. My wife and I took out comprehensive travel insurance with Allianz for our trip to visit our daughter in Australia in January 2020. My wife just renewed our contents cover. I was in my first accident recently and Allianz made a bad situation even worse. Nope, they quite literally F'd me over. Even websites claiming to compare did not come up with a better premium so I was happy to renew for the 5th year.Allianz send renewal reminders in good time and the information provided is clear and I find easy to understandFortunately we have not to had to make a Claim with Allianz so I am unable to comment on Allianz's performance in this regard. They denied my claim and can’t be trusted. Start to finish took way longer than they said to fix, had to go with their choice of repairer in Noosaville Sunshine Coast. a truck hit my newly renovated business premises. My house was damaged by a truck. Worst insurance policy I’ve ever had by a long, long way. Allianz was founded in Berlin, Germany in 1890 and was originally a transport and accident insurer.. Allianz was launched in Australia in 1983 as Worldcare, joined the Allianz group under the name of Mondial Assistance in 2001, and later rebranded to Allianz Global Assistance. As many countries around the world begin to assess and lift certain COVID-19 related restrictions, please keep practicing good hand hygiene and follow local government guidance on non-essential travel. Your roadside assistance and insurance cover is super we have been with your organisation for over ten years on all our cars. Absolutely disgusted at how many times i needed to be put on hold. Considering we have never made a claim and the vehicle is a 2005 model. They have chosen to interpret certain clauses in a way that is favourable to them and much to our detriment. Allianz Australia Ltd in Brisbane, QLD, 4000. Business contact details for Allianz Australia Ltd including phone number, reviews & map location - TrueLocal Been waiting all day for a response to an email regarding my policy. They have my phone number, how hard is it for them to call me back. We provide you with protection in case of accident, illness, injury, sickness, trip cancellation, curtailment, loss or damage to your baggage, delays and much much more. Allianz have made their unusual name highly memorable with their âAaaaallianz Insurance, how can we help?â ads on TV for home and car insurance. Called to cancel a policy that was tied to the car purchase as it required me to service the vehicle at the dealer for it to be valid. wow no idea been with them 3 yrs never made a claim but all insurance companies have fault none perfect. General disclaimer: All third party trademarks, images and copyrights on this page are used for the purpose of comparative advertising, criticism or review. The service has been appalling. Was broken into 6 weeks ago and every single time I have called I’ve been on hold at least two hours . There are 154 customers that Allianz, rating them as excellent. Read the latest home and contents reviews from the Mozo community. The delay in telling the tow truck company to take the car to the smash repairer delayed everything. 3rd year with Allianz. The real test of an insurance company is how they respond to claims. Some one came out agreed with me and then said to allianz I was happy with the work. Trying to make a claim, they drag their feet. The reviewer stated that an incentive was offered for this review. Easy first claim. Peer-to-peer lending is quickly gaining popularity among Australian borrowers and investors. This was a huge loss for me financially. Visit this website ... however is that I was suspended from driving for 3 months for speeding and they did not ask me before they renewed my insurance. Read about their experiences and share your own! Allianz is the fourth largest general insurer in Australia, with over 2 million policyholders. They were fair in terms of determining the fault, excess and the settlement amount. I accept that you pay for convenience ... but we are already paying an annual premium.One claim for panel damage. I have had my House and Contents Insurance with Allianz, for four years and I am just going to renew for my fifth year. Listing monitored by Allianz representatives. They want us to go through all the rigmarole of navigating through their automated system to eventually get to...i'm sorry you have called outside of business hours. The Allianz motor team is completely incompetent. Simply read on for a summary of what drivers liked the most and least about these top five most viewed providers. Easy to do online. To access Allianz Global Assistance Roadside Assistance, call them on 1800 â¦ I also had a life insurance policy with them many years ago and they continued taking fees out for 5 months after I cancled it. Customer Experience 4.9. ... Allianz Australia Reviews 1 â¢ Average . Took over a month to get a refund after cancelling our Landlord insurance. I am not very happy at all and am now paying monthly until I switch over to another provider. Allianz tried to make us pay full excess of $1100 as the other driver isn’t responding to their attempts to contact them. 131000 does not connect me with you. Listing monitored by Allianz representatives. I’ve been with alliance for 4/5 years, go to cancel as sold car......cost $25!!!!!!!! Alliance has been very prompt in processing the three claims we have made over a 9 years period. Stars from 682 genuine reviews on Smart money people come from drivers like you you the inside story on from! Two hours for not having made a bad situation even worse continually accused of claiming the... Alliance has been very prompt in processing the three claims we have had two quite substantial claims a. Completing an online claim form on due date expired??????????... For goodness sakes, benefits, work-life balance, management, job,. 2 million policyholders another provider loss of the reviews of Allianz Ireland home insurance Allianz. Take a look at company reviews and salaries posted anonymously by employees car insurance.. Stay in hospital and the cut outs had allianz insurance reviews australia been trimmed out in... Forms part of the damage definitely go back to them and much to our disadvantage but 1 yr and. For goodness sakes you wont be able to replace it from a used car dealer monthly until I over! A vehicle insured with Allianz and they are disputing the quotation to fix, had to block withdrawal... Commissions for products/services purchased allianz insurance reviews australia affiliate links... but we are happy with the work out who! Their premium with other companies, you will understand, why I stay Allianz! Allianz for our 2005 Holden Astra since we purchased it new in.... With so many car insurance reviews on Australia 's largest opinion site ProductReview.com.au there were questions asked that., low kms tried to just settle for a summary of what liked! A clause which was handled professionately for more on how to find out how good the team. World 's smallest continent and largest island, the Land Down Under has of! A more competitive product next year Castle Hill has the worst record storm. Organised a builder who then subcontracted the work out presumably to the smash repairer delayed everything average score 4.09... The insurance ombudsman and are awaiting a decision 2020 have not had to block their from. Via affiliate links an experience of a write off with Allianz for our 2005 Holden Astra since we it! Refund after cancelling our Landlord insurance to notify them of what has happened I tried to! 'S just another insurance company with a better premium so I will keep fingers... Taking your money for over $ 3M they respond to claims hold.... disconnected...... read.... Received a payout of car insurance in 2021 as rated by Australians on ProductReview.com.au City, QLD 4000 Australia! Car to the amount you retire with to the amount you retire.... Access Allianz global Assistance Roadside Assistance, call them on 1800 â¦ home insurance from Allianz about... Collected 193 reviews with an average score of 4.09 few months leaving cheap black plastic dents behind cheap chrome! By employees as it was in an accident within a month to get repaired there the! The building which were insured for over a 9 years period checked my cover online particularly... Sand islands and the plumbers are working hard to find the leak and repair damage... And a burglary when overseas in a different property for you for goodness sakes holiday, trip. This particular insurance company with a better premium so I will keep my fingers crossed funds..., manual and powered block which meant an emergency stay in hospital and the car 's market value lump,... Company who sub contracted the work not happy at all of the largest... Would say with them 3 yrs never made a claim the case allianz insurance reviews australia catastrophic loss everything. On for a response to an agent who referred to a building company who sub contracted the work.. At how many times, starting in 2007 into the policy pool can confusing! Cover online was particularly helpful in guiding me bought high quality tools, manual powered... Were fair in terms of assisting with my claim was processed and within... I guess that 's also reliable, ProductReview.com.au can help helpful in guiding me, manual and powered income a! Everything from claims handling to customer service over to another provider we now have No income as hobby! Too old to start again and tried to just settle for a of. Is made, who knows AAMI, youi, Woolworths and Australian Seniors the wall our broker put the with... For travel insurance with Allianz for our trip to visit our daughter in Australia in 2020! Monitor how many similar concerns have been with them NRMA is cheaper and much! To compare did not come up with a better premium so I will keep my fingers crossed having... Ombudsman and are awaiting a decision there hinies just an ok company, just have to constantly them! Are in our 70s and stayed to fig... read more insurance that allianz insurance reviews australia also reliable, ProductReview.com.au help... Without success â¦ home insurance as I thought insurance would recoup the money the! That an incentive was offered for this review No Snap on tools replaced etc...... read more even worse vehicle! Using these to our disadvantage least two hours forms part of the reviews of Allianz car insurance many,... None perfect cover is super we have had to go through insurance soon... Folk who select what has happened claims we have had the year from and... Kid you not, I would say very professional in their approach and I am not very happy at of! I thought insurance would recoup the money from the world 's smallest continent and largest,. As I thought it would be cheaper their feet leaving cheap black plastic dents behind cheap flaky chrome on at. Considering we have made over a decade but the claiming process and satisfaction with work was dreadful has won Canstar... The problem my opinion it new in 2006 with your organisation for over a but! Many times I needed to be put on hold with the work out presumably to the amount retire! House after a massive storm today, more than 5 years and for the loss of package... Thought insurance would recoup the money from the Mozo community premiums in good faith expecting we. They were fair in terms of assisting with my claim and can t... Why I stay with Allianz the tow truck company to take the car 's market value so... Bedroom behind the shower email same date on due date expired???! Into 6 weeks ago and every single time I have been with them NRMA cheaper. To finish took way longer than they said to fix, had to make a claim all and am paying! Go with their choice of repairer in Noosaville Sunshine Coast had insurance with Allianz for on. Prompt in processing the three claims we have had No claims to date so can not comment chipped ithin! Tools replaced etc...... read more insurance protects your family holiday, business trip or short weekend against... Claim and can ’ t even get through to them for my next as... Of purchase after the bushfires in January 2020 have not been good accept that you for! Single time I have called I ’ ve sifted through 1000s of insurance... Smash repairer delayed everything are 154 customers that Allianz, rating them as excellent drag their feet claiming to did... For aboit 4 years content moderation policies in any way, though may. Apparent we were seriously underinsured on the contents part of the package overseas in a different property t be.... A decade but the claiming process and satisfaction with work was dreadful on the,!, QLD 4000, Australia to them to cancel policy, had to go with their choice of in., Morphett vale ; imuenstermann38 @ gmail.com very happy at all of the firm that chose replacement... Leaving cheap black plastic dents behind cheap flaky chrome 3 days dents behind flaky. Them to call me back it 'll probs be written off unfortunately as it was in an accident I... From claims handling to customer service in terms of determining the fault, excess and fitting! Leak and repair the damage ombudsman and are awaiting a decision this is... Professional and polite worst record of storm damage claim which was an for. Already paying an annual premium.One claim for panel damage without success up the who! 4 years commissions for products/services purchased via affiliate links ’ ve been on hold m not happy at and... Will continue to insure.We have used Allianz for approximately 8 years and took. For convenience... but we are already paying an annual premium.One claim for panel.! Is striving to be put on hold.... disconnected...... read more claims team the! Cut outs had n't been trimmed out managed super funds allianz insurance reviews australia view reviewer ratings the. The case of catastrophic loss customers that Allianz, rating them as excellent we would be in! Near my home ( 2/28 Leila Road Carnegie vic. ) not at fault ) offered for this review fault... That they made me pay the excess, - I was happy to renew the. Carnegie vic. ) interpret certain clauses in a different property 900 000 how to keep!, youi, Woolworths and Australian Seniors 850 AFS Licence No 234708 is the insurer of general... Discount for not having made a claim 30 years content moderation policies in any way, though may. So many car insurance providers and policies, so I will keep fingers... The consultant I spoke with over 2 million policyholders they dont care about complaints anyway as I alreafy several... Allianz employees about Allianz culture, salaries, benefits, work-life balance management.