Mortgage Repayment Insurance

January 20th, 2021|Categories: Blog|

Mortgage Repayment Insurance The benefits of having mortgage repayment insurance are well worth the premium charged to have such comprehensive cover. This type of insurance solution is very simple when in comes to assessing how much you get paid at claim time, because there are no other offsets if you are being paid ACC or any other benefit for the same disability. Unlike income protection cover, mortgage repayment insurance is generally not measured by the amount of income you earn, but rather how much your mortgage repayment is. The monthly benefit is generally not assessed as taxable income, but as [...]

Finding a financial adviser

December 21st, 2020|Categories: Blog|

Finding a financial adviser who can understand you is important but also one that fits as far as personalities go is just as important. Have you ever worked with someone good at what they do but cannot connect with people? Some personalities clash, and some just click, so find one that clicks with you. These days financial advisers have to register as a financial adviser and are regulated by the Financial Markets Authority (FMA). The first thing you should do when finding a financial adviser is to check the FSPR (Financial Service Providers Register) website to make sure that your [...]

Online Life Insurance

November 23rd, 2020|Categories: Blog, Life Insurance|Tags: , , |

Online Life Insurance lacks the valuable advice process a registered financial adviser will provide in-person and will help avoid problems such as non-disclosure (not telling the insurer everything). An adviser will also help you work out the right type of cover, the right amount of cover and set up the correct premium structure to make the longer-term cover affordable.  Not to mention the ongoing service and support you will get from having your an adviser. There are many reasons to avoid online life insurance, and this article is only going to cover a few of them. One reason why [...]

Funeral Insurance

October 22nd, 2020|Categories: Blog, Life Insurance|Tags: , , , |

Funeral Insurance Options This has got to be one of the most easy to understand insurance policies when it comes to what you are covered for and how much you pay in premiums. Funeral insurance is generally limited to smaller insured amounts, designed to pay for the last such as funeral costs, but could possibly be used for minor last expenses as well, such as legal costs. How Funeral Insurance Works You can choose an insured amount and the maximum amount may be different with different insurers. The unique part about Funeral Insurance is, if the person insured dies within [...]

Health Insurance

September 23rd, 2020|Categories: Blog, Health Insurance|Tags: , , , |

Health Insurance Health insurance, how does it work and when you would need it.  This article will explain what it is, how it works and some examples where you would be glad you had it. This is private insurance where you pay a small premium to the insurer, and they will pay for the big private medical costs outlined in their policy document.  What types of costs insurers pay for and how much they pay can be very different from each other, which is why you should always talk to us first. One of the more popular form of Health [...]

cheaper premiums for life insurance

August 24th, 2020|Categories: Blog, Life Cover, Life Insurance|Tags: , |

Cheaper Premiums for Life Insurance All of us want cheaper premiums for life insurance; it's only human nature to want to pay as less as possible but get as much as possible.  You may think that $50.00 is cheaper than $75.00, but what if I told you it is not? We often equate a lower price as being cheaper, but that is not always the case.  What you see in this example is a Price, but over time there is a Cost, but lowest Price does not always mean lower Cost, therefore is it cheaper. Price vs Cost Let's look [...]

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