Funeral Cover

January 18th, 2020|Categories: Blog|

Funeral Cover Funeral Cover is very affordable for most people, and there are some great benefits which differ from Life Insurance.  Have you ever heard of the family raising funds to pay for someone’s funeral, or even start a give a little page because there is no money to pay for a funeral? Funeral Cover Benefits There are some unique benefits to funeral cover that you do not get with standard life insurance, and it is vital to understand the difference.  However, if you can get what we call fully underwritten life insurance, then that is what you should do. [...]

Redundancy Insurance

December 19th, 2019|Categories: Blog|

Redundancy Insurance This cover usually is available as an add-on to Income Protection insurance but may be able to be purchased separately through some insurers.  Redundancy Insurance is not often part of have Income Protection insurance, and you have to add it as an optional extra. Why should you have redundancy insurance? Firstly, not all occupations can get this type of cover, so you will need to check with your adviser, whether it is available for your occupation class or industry. Think for a moment, what your options are if you were made redundant, how would your household cope without [...]

Cancer Care

November 19th, 2019|Categories: Blog|

Cancer Care Cancer Care can be a long hard road for patients, families and friends, as well as those who provide the care in our public and private health sectors. It is good news that our government is looking to provide a National Cancer Agency with $10M to establish the agency and a further $10M to get work underway, but is that enough. Looking at the basic math with $20M is that going to make a substantial difference to the people who need the care when compared to the government who has earmarked $370M for DHB bailouts. Funding shortfalls and [...]

Public Hospital Waiting Lists

October 22nd, 2019|Categories: Blog, Health Insurance|

Public Hospital Waiting Lists Have you ever wondered how many people are on public hospital waiting lists?  Just about every week, we see news headlines that our public health system is under pressure. Below is a headline that hit the NZ Herald on 21st October 2019 which read; Waikato mum suffering chronic pain told she can either pay $7500 for a scan or go on the waiting list. A woman who has been suffering chronic pain for more than a year has been told she'll need to wait until next month for a test that could be done within a [...]

Affordable Medical Insurance

September 25th, 2019|Categories: Blog|Tags: , , |

Making medical insurance affordable as we get older is vital to ensure we receive the quality and speed of medical care when we need it most. Just about every week, we read about someone who needed medical care and did not get it, and how the health system failed. New Zealand still has an excellent public health system, but at some stage, the ever-increasing costs for care, new procedures, drug treatments, and an ageing population can only mean a strain on the public health system and the tax dollars that go to fund our health system. We only have a [...]

Lower Mortgage Rates

August 21st, 2019|Categories: Blog, Home Loans|Tags: , , |

Lower Mortgage Rates? On Monday 12th August 2019 the OCR was reduced to only 1% which dictates what our retail mortgage rates are.  With the latest reduction in the  OCR will we see much lower mortgage rates and more flexible lending criteria?. Firstly, let's take a look at what OCR means, and for those of you who are maybe more technically savvy than financially savvy, OCR in this case does not mean Optical Character Recognition, but rather the Offical Cash Rate! Here is a quick video from the Reserve Bank of New Zealand that will explain what the OCR does. [...]