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bigplanswm

About bigplanswm

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So far bigplanswm has created 74 blog entries.

Is your home insurance the right amount?

Home Insurance You may have recently heard on Fair Go and in the news recently that many of us have not insured our homes for the right amount.  Insurers have put the responsibility of home insurance on you, therefore running the risk that if you get it wrong, you will have serious shortfalls in what it would cost to replace your home. The great news now is that our insurers have introduced a product called SumExtra for Home Insurance.  We’re extremely pleased to advise that with effect 11th February 2015, this benefit will also apply to all of our clients [...]

2015-04-14T23:46:28+12:0014/04/2015|Categories: Blog, Mortgage Finance, New Finance, Refinance|Tags: , |
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Disability Income Protection Explained

Income protection products replace some of your income if you become too disabled to work, and you remain disabled for longer than your chosen waiting period. You do not need to be permanently disabled to claim on a disability income protection product; periods of temporary disablement are also covered - in fact most claims against disability income products only last for a relatively short time period. The good news is that even when you have recovered sufficiently to return to work, the cover remains in place in case you have a recurrence of your previous disability, or even suffer a [...]

2015-01-09T00:49:39+13:0009/01/2015|Categories: Blog, Income Protection, Personal Insurance|Tags: , |
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Property values in Rotorua

Rotorua Property Values Recently there was an article about Rotorua property values and as a mortgage broker, I could not help but add my two cents worth.  The question I often get asked by clients home a home is "what do you think it's worth"?.  I would love to be able to have a answer for them but my answer is usually "what ever the market is prepared to pay". Of course, when it comes to securing a home loan for them, the bank will always ask what the valuation is and what is the purchase price so the valuation [...]

2014-11-07T23:32:31+13:0007/11/2014|Categories: Blog, Home Loans, Mortgage Finance, New Finance, Refinance|Tags: , , , , |
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Life Assurance

Life doesn’t always go to plan. You may think ‘it will never happen to me’, but the reality is some of us will die unexpectedly, leaving family and loved ones behind, life assurance is not normally for the insured person, it's for the one/s they leave behind. When others depend on you Have you made plans to ensure your family or business can survive without you? Could your family cope with paying the monthly bills or making mortgage repayments without your salary? Could your business continue without your input and expertise? Food for thought. On average there is one death [...]

2014-06-27T01:50:14+12:0027/06/2014|Categories: Life Assurance, Personal Insurance|
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