Redundancy Cover – Do you need it?

There has been a lot of headlines in the business section over the last 6 months regarding low business confidence and talk of a global recession. At this point it is just talk, but some sectors in New Zealand have slowed. Residential real estate sales are down and some construction companies have collapsed but overall …

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Southern Cross Benefit Review – Medical Insurance

Southern Cross have had some bad press this week (see story here). After their annual benefit review, they have announced that they will be reducing some benefits and removing others altogether. What is changing? Removed or Reduced Obstetrics Benefit, depending on the plan. Removed Funeral Benefit, Public Hospital Cash Grant, Premium Waiver, Sterilisation Benefit (snip …

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How much life insurance do other people have?

I often get asked this question and this is my answer; It’s not about them it is about you. There are so many factors to consider when thinking about how much Life cover you need, but most importantly you need to consider what is your Plan B.  If the unexpected happens, which it frequently does, …

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I’m Uninsurable

I hear this from time to time when talking to people about what cover they have in place (or don’t have in this instance). In most cases they have tried one provider and not been offered cover. Well the market is not one provider and I like a good challenge. We have agencies with all …

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Mortgage & Pregnancy. When are you at risk?

I have a lot of conversations with people about their life situation and there are two areas I often see where people are not assessing their risk correctly. Often people think that when they draw the loan from the bank and buy a house they need their insurance cover to be in place by settlement …

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