Finding a financial adviser

Finding a financial adviser who can understand you is important but also one that fits as far as personalities go is just as important.  Have you ever worked with someone good at what they do but cannot connect with people? Some personalities clash, and some just click, so find one that clicks with you. These days financial advisers have to register as a financial adviser and are regulated by the Financial Markets Authority (FMA).  The first thing you should do when finding a financial adviser is to check the FSPR (Financial Service Providers Register) website to make sure that your [...]

2020-12-21T21:18:28+13:0021/12/2020|Categories: Blog|

Funeral Insurance

Funeral Insurance Options This has got to be one of the most easy to understand insurance policies when it comes to what you are covered for and how much you pay in premiums. Funeral insurance is generally limited to smaller insured amounts, designed to pay for the last such as funeral costs, but could possibly be used for minor last expenses as well, such as legal costs. How Funeral Insurance Works You can choose an insured amount and the maximum amount may be different with different insurers. The unique part about Funeral Insurance is, if the person insured dies within [...]

2020-11-14T20:11:25+13:0022/10/2020|Categories: Blog, Life Insurance|Tags: , , , |

Health Insurance

Health Insurance Health insurance, how does it work and when you would need it.  This article will explain what it is, how it works and some examples where you would be glad you had it. This is private insurance where you pay a small premium to the insurer, and they will pay for the big private medical costs outlined in their policy document.  What types of costs insurers pay for and how much they pay can be very different from each other, which is why you should always talk to us first. One of the more popular form of Health [...]

Cheaper premiums for life insurance

Cheaper Premiums for Life Insurance All of us want cheaper premiums for life insurance; it's only human nature to want to pay as less as possible but get as much as possible.  You may think that $50.00 is cheaper than $75.00, but what if I told you it is not? We often equate a lower price as being cheaper, but that is not always the case.  What you see in this example is a Price, but over time there is a Cost, but lowest Price does not always mean lower Cost, therefore is it cheaper. Price vs Cost Let's look [...]

2020-11-14T21:06:29+13:0024/08/2020|Categories: Blog, Life Cover, Life Insurance|Tags: , |

Loss of Income

Loss of Income can spell financial disaster for our household.  Think for a moment about COVID-19 and how that has affected most Kiwis because most of us simply do not have the financial reserves to meet our financial commitments if our income stops.  Maybe you've been affected recently and know what it is like to experience a loss of income. Government Assistance Fortunately, there has been some Government assistance for employees and self-employed, and if it were not for that, your financial situation could be much worse.  Your employer would have received income from the Government to help pay your [...]

Trauma Cover for Men

Trauma Cover for Men There is no specific trauma cover for men, but there are conditions that only men get such as testicular cancer which is covered with Trauma Cover.  Trauma Cover will pay the insured amount if the person insured is diagnosed with, or suffers a severe medical condition covered by the insurer. The number of conditions depends on the insurer and whether you have basic or comprehensive cover. There are specific insurance benefits that provide trauma cover for men and specific benefits for women. Still, the scope of this article is to talk about what insurance coverage is [...]

2020-11-15T22:12:40+13:0022/06/2020|Categories: Blog, Trauma Cover|

Cheapest mortgage rates

We now have the cheapest mortgage rates...ever! If you're asking yourself, "is now a good time to buy" as far as interest rates go, we've got the cheapest mortgage rates we've ever had.  Let's put it in perspective and compare dollars for dollars on what a mortgage interest could have cost you at 6.00% and what it would cost you today at 2.95% which should help you get an idea what a mortgage repayment will cost. Mortgage 1 If you had a mortgage of $500,000 over 30 years at 6.00% your fortnightly repayment would be $1383 and you would [...]

2020-11-15T22:25:33+13:0017/05/2020|Categories: Blog, Home Loans|Tags: , , , |

Income Protection Insurance

What is Income Protection Insurance, and who needs it? Income Protection Insurance is affordable for most people, especially if you insure for what you need and don't load your policy up to maximums with additional bells and whistles. Remember, if you are earning income for the household, then you're the biggest asset. You are going to earn more than your car is worth, or most likely even what your home is worth, and we don't think twice about insuring our car or house, yet all that, can go out the window if you lose your ability to earn income to [...]

2020-11-15T22:58:32+13:0019/03/2020|Categories: Blog, Income Insurance|Tags: , |

Buy your own home

Could you buy your own home? More recent news on property prices getting higher and higher while homeownership is at its' lowest levels for 60 years and it's getting harder to buy your own home.  So what does this mean for you and what could you afford to borrow? So what is happening now? In a recent NZ Herald article, there were comments about what factors are driving prices and what could be done to make more homes more affordable. Currently, investors don't pay capital gains tax, so they continue to finance more homes and will continue to do so, [...]

2020-11-15T23:02:48+13:0020/02/2020|Categories: Blog, Home Loans|

Funeral Cover

Funeral Cover Funeral Cover is very affordable for most people, and there are some great benefits which differ from Life Insurance.  Have you ever heard of the family raising funds to pay for someone’s funeral, or even start a give a little page because there is no money to pay for a funeral? Funeral Cover Benefits There are some unique benefits to funeral cover that you do not get with standard life insurance, and it is vital to understand the difference.  However, if you can get what we call fully underwritten life insurance, then that is what you should do. [...]

2020-11-15T23:05:35+13:0018/01/2020|Categories: Blog|
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