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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Insurance Exclusions and Loadings. What are they and can they be reviewed?

When someone takes out new cover the risk is assessed medically. If they have a condition that makes them more likely to claim on that product than someone without the condition, they may be offered cover with an exclusion or a loading. With an exclusion, the cover will be offered but that specific condition is …

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Bringing Sexy Back

When I first started in insurance I struggled a bit with the public perception of the industry. So much so that one night, when I was out at a networking event talking to someone who asked what I did, I said that I was an insurance adviser, that it was a great industry to work …

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Snip Snip

Over the last few weeks I have been dealing with a number of families that are expecting their first or second child. This is fantastic news despite the impending lack of sleep, vomit and dirty nappies, which as a father of three I have experienced my fair share. On the other hand I have also …

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