Blog2018-07-15T14:34:14+12:00

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 21st, 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 as [...]

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 [...]

Best mortgage repayment insurance

April 28th, 2018|Categories: Blog, Mortgage Repayment|Tags: , , |

BEST MORTGAGE REPAYMENT INSURANCE The best mortgage repayment insurance depends on what your needs are. Mortgage repayment insurance is one of the more popular insurance products purchased (aside from home, contents and car insurance) because it provides security in meeting your mortgage repayments in the event of sickness or accident. There are three sources of mortgage repayment insurance. You can buy it over the counter from a bank, sometimes directly with an insurer or use an adviser who usually can provide more than one option. HOW DO BENEFITS VARY? The difference between mortgage repayment insurance products can differ substantially, [...]

Best funeral insurance

March 20th, 2018|Categories: Blog, Life Insurance|Tags: , , |

Who has the best funeral insurance is a relative question because it depends on a couple of factors. It depends on who you are insuring, how old they are and their current health status.  Some people ask for funeral insurance, but after asking questions, all the wanted was a small amount of life cover.  Funeral insurance is a specific type of protection with limitations, and my advice is, if you can get Life Cover, then I think you are better off. So what's the difference? The difference between the best funeral insurance and life cover is that in most [...]

Level Premium Life Insurance

February 20th, 2018|Categories: Blog, Life Assurance|Tags: |

Level Premium Life Insurance is the better financial choice over the longer term. The main reason is that level premium life insurance starts off at a higher premium but does not increase each year. Premiums are typically guaranteed and fixed for the specified term. Level Premium Life Insurance If you plan on keeping your life insurance for longer than ten years, then you should seriously consider Level Premium Life Insurance in whole or part of your cover.  You may not have the budget for all of your cover to be on a Level Premium, but you should look at [...]