Blog2018-08-18T12:26:58+12:00

Business Insurance

July 23rd, 2019|Categories: Blog, Business Insurance|Tags: , , |

Business Insurance Business Insurance covers all types of insurance such as Plant and Machinery, Commercial Vehicles, Assets and the list goes on.  There are also risks in your business that you may have overlooked, and that is your cash flow, key people, and the business expenses that you need to pay. There are the risks you don't see (except for your key people!).  You can see your business assets when you get to work, you can see your building, but you cannot see your business expenses unless you are looking at your financial reports.  The point here is that [...]

How to use KiwiSaver to buy your first home

June 25th, 2019|Categories: Blog, Home Loans|Tags: , |

If you want to know how you can use KiwiSaver to buy your first home read on and find out what you need and how buying your first home using KiwiSaver, you have to be in KiwiSaver for at least three years before you can use KiwiSaver as a deposit or part of a deposit to buy a home. It's important to understand that if you use your KiwiSaver to buy your first home, you may also be able to get a HomeStart grant from the Government through a Welcome Home Loan. You do not have to get a [...]

Income Insurance Agreed or Indemnity?

May 20th, 2019|Categories: ACC, Blog, Income Insurance|Tags: , , |

When it comes to Income Insurance, the fine print matters, here are a few key areas to consider when getting your Income Insurance sorted. GET AN AGREEMENT FROM OUTSET There are a few policy types but you can bring them down to three core categories which are Agreed Value, Indemnity Value and Loss of Earnings but in this article, we will look at Agreed Value and Indemnity Value. Firstly, an Agreed Value policy means that you and the insurer agree to an insured amount when you take the policy out, so at claim time you will not have to prove [...]

Life Insurance Comparison

April 20th, 2019|Categories: Blog, Life Insurance|Tags: , |

LIFE INSURANCE COMPARISON  When looking for the right life cover for you, getting a life Insurance comparison between companies is a smart idea, especially when you look at the long term cost, as well as the immediate price. Price is one of the main driving factors when looking for life cover online, but there are a couple of other factors to consider when getting a life insurance comparison. LONGER TERM COST  How much is your cover going to cost you over the long term? As for accumulative premium projections over a ten year and 20 year period, as well [...]

ACC – what is the correct plan for you?

March 20th, 2019|Categories: ACC, Blog|Tags: |

What is the correct ACC plan for you? We are fortunate to have ACC in New Zealand, especially when it comes to being covered for accidents that are not work-related. Everyone in New Zealand is covered by ACC when injured by accident. In plain English, it does not matter what you were doing at the time you were injured, whether you're playing golf of at work you're covered. It does not matter who was at fault. ACC will cover you, as long your injury falls within New Zealand Law. Which ACC Plan is right for you? There are a few [...]

Life Insurance how much do I need?

February 20th, 2019|Categories: Blog, Life Insurance|

Deciding how much life insurance you need comes down to what are your priorities and current financial commitments.  There are some basics to follow which will give you an idea of how much cover you may need. Repay All Debt You should make sure you repay all debt in the event of either spouse. In most cases, the surviving spouse will struggle financially and will not be able to meet joint financial commitments, especially if the household has lost an income. If you think your spouse will be fine and you don't need any Life Insurance, try living on the [...]