Debt repayment insurance

July 1st, 2021|Categories: Blog, debt protection, loan repayment insurance|Tags: , , |

Debt repayment insurance can make repayments on your financial commitments if you are unable to work due to sickness or accident and will pay in addition to any ACC you may be entitled to receive. What will debt repayment pay for? Debt repayment insurance can also me called household expenses cover or possibly a variation of other names, but it is specifically to make sure your household can meet its financial obligations and is not limited to just debt and you can insure for costs such as; Early Childcare Costs Electricity Hire Purchase, Bank/ Personal Loan Repayments House, Contents, Car [...]


June 23rd, 2021|Categories: Blog, Health Insurance|Tags: , , , |

Who is PHARMAC and what do they do? Fortunately for us Kiwis, we have PHARMAC who are a government funded agency that decides which medicines and related products are funded in New Zealand. They decide what treatments they subsidise to make drug treatment more affordable or even free, but they have a limited budget and have the task of deciding which treatments they subsidise which also means which ones they cannot.  I use the word cannot because if they could afford to, I am sure they would. Here are some facts you should know about PHARMAC In the 2019/2020 years [...]

What does a Financial Adviser do

May 24th, 2021|Categories: Advisers, Blog, Financial Advice, Financial Adviser|

If want to know what does a Financial Adviser do, there can be a range of answers because the use of the term financial adviser is broad, and was defined under the new government rules and regulation. Financial Advisers work in three categories which are insurance, investments and finance.  Some advisers will provide all types of services such as Mortgage Finance, Personal Insurance such as Life Insurance and KiwiSaver while some will just provide service in one category such as Mortgage Finance. Financial Adviser Qualifications Financial Advisers are governed by the Financial Markets Authority (FMA) who hold advisers to a [...]

What will ACC pay for

May 4th, 2021|Categories: ACC, Blog|

What will ACC pay for is a very popular question and we need to understand what it will pay for and even more importantly, what it will not pay for.  There are limits to this cover and as obvious as it sounds, it is for Accident Only. Accident Only Income Replacement We have to acknowledge the place ACC plays in our lives as New Zealanders and how fortunate we are compared to other countries such as the United States.  However it is restricted to Accident Only and does not pay for being unable to work when you are too sick [...]

Small Business Insurance

May 3rd, 2021|Categories: Blog, Business Insurance|Tags: , , |

Some insurers provide specialist Small Business Insurance cover specifically for small business owners to pay for business expenses such as business debts, fund partnership buyouts and in some cases, you can insure a x (times) factor of your key person salary. The scope of this article is not to provide any business advice, but to help you understand how you can use innovative insurance products to provide capital if the need to buy out a business partner in the event of death or disability of that business partner. Death of a business partner. Apart from the emotional loss and the [...]

Cancer Insurance

February 21st, 2021|Categories: Blog, Trauma Cover|Tags: , , |

Cancer Insurance cover will pay you a lump sum if you are diagnosed with certain kinds of cancer, and in some cases there is also cover for gender specific cancers. We are fortunate in New Zealand to have such a free medical system, but that does not mean it is perfect with all the funding it needs. With an ageing population it may be fair to say that there is going to be more strain on funding for medical services as our population gets older. A headline in the New Zealand herald online on 21st December 2020 was as follows; [...]

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