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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Is wishing someone Happy Birthday Generic?

When I started as an insurance adviser the company I worked for sent Birthday cards to all of their clients. I remember making the comment that to me it didn’t feel sincere. Just because we had their date of birth it didn’t feel heart felt to send a card.   Over time in this industry …

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When is a smoker no longer a smoker? – After 12 months!

When you signed up for your insurance, if you were a smoker at that time your cover will be on smoking rates which are more expensive. If you have stopped smoking for a period of 12 months or more, you are able to complete a non-smoking declaration and your insurance premiums will be adjusted to …

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A medical benefit not often claimed – Cash Back for a public hospital stay.

Private Medical Insurance has many benefits and as most people don’t read their policy wordings (because that’s our job) sometimes there is a claim event that can be missed. Generally private medical cover is for treatment in private hospitals but sometimes clients can end up in the public system.   Why don’t people claim? If …

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