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 [...]

Loss of Income

July 24th, 2020|Categories: Blog, Income Insurance|Tags: , , , |

Loss of Income can spell financial disaster for our household.  Think for a moment about COVID-19 and how that has affected most Kiwis because most of us simply do not have the financial reserves to meet our financial commitments if our income stops.  Maybe you've been affected recently and know what it is like to experience a loss of income. Government Assistance Fortunately, there has been some Government assistance for employees and self-employed, and if it were not for that, your financial situation could be much worse.  Your employer would have received income from the Government to help pay your [...]

Trauma Cover for Men

June 22nd, 2020|Categories: Blog, Trauma Cover|

Trauma Cover for Men There is no specific trauma cover for men, but there are conditions that only men get such as testicular cancer which is covered with Trauma Cover.  Trauma Cover will pay the insured amount if the person insured is diagnosed with, or suffers a severe medical condition covered by the insurer. The number of conditions depends on the insurer and whether you have basic or comprehensive cover. There are specific insurance benefits that provide trauma cover for men and specific benefits for women. Still, the scope of this article is to talk about what insurance coverage is [...]

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