Income Protection Insurance

March 28th, 2020|Categories: Blog, Income Insurance|Tags: , |

What is Income Protection insurance, and do I need it? What really amazes me when talking about insurance, is people’s automatic acceptance of having to insure their things, but down right reluctance to insure the income that pays for those things. Remember, if you are earning income for the household, then you're actually the biggest asset. You will earn, or have the ability to earn, more than your car or even your home is worth. And we don’t think twice about insuring them. Yet that can all go out the window if you lose your ability to earn. Income Protection [...]

Cancer Care

November 19th, 2019|Categories: Blog|Tags: , , , , |

Better Cancer Care Cancer Care is always a hard and horrible journey for everyone. Patients, their family and friends, as well as for those who provide the care in our public and private health sectors. It’s great news that our government is looking to provide a National Cancer Agency (with $10M to establish the agency and a further $10M to get work underway)... But is that enough? Experts are warning that funding shortfalls and a lack of independence could prevent the new cancer agency from lifting off - stalling the fight to save hundreds of lives each year. Pre-election, Labour [...]

Public Hospital Waiting Lists

October 31st, 2019|Categories: Blog|Tags: , , , |

How many people are on public hospital waiting lists? Would that wait really affect you if you fell ill? Just about every week, we see news headlines that our public health system is under pressure. Below is an excerpt from the NZ Herald on 21st October 2019: Waikato mum suffering chronic pain told she can either pay $7500 for a scan or go on the waiting list. A woman who has been suffering chronic pain for more than a year has been told she'll need to wait until next month for a test that could be done within a couple [...]

Affordable Medical Insurance

October 2nd, 2019|Categories: Uncategorized|Tags: , , , |

Affordable Medical Insurance Keeping medical insurance affordable as we get older is vital to ensure we can receive fast, quality medical care when we need it. Just about every week we read about someone who needs treatment and can’t get it, and how the health system failed them. Crucial cancer drugs not being funded, hip or knee replacement patients waiting forever, the stories are endless, as are the crowd-funding requests! Don’t get me wrong, New Zealand has a fantastic public health system, and we’re very blessed to have it. But at some stage the ever increasing costs (new procedures, drug [...]

Lower Mortgage Rates

August 23rd, 2019|Categories: Blog, Home Loans|Tags: , , , |

LOWER MORTGAGE RATES What’s all the guff about Lower Mortgage Rates? You may be aware the OCR was recently reduced to an all-time low of just 1.00% which has an effect on what retail mortgage rates are available to consumers. With the latest reduction, will we see much lower mortgage rates and more flexible lending criteria? There’s a good chance the answer is Yes! In case you don’t know what the OCR is and how it affects us, here is a quick video from the Reserve Bank of New Zealand that will explain what the OCR does. So, should you [...]

Business Insurance Cover

July 22nd, 2019|Categories: Blog|

Business Insurance Business Insurance covers all types, such as Plant and Machinery, Commercial Vehicle, Asset, the list goes on.  There are also risks in your business that you may have overlooked, such as your cash flow, key people, and the business expenses that you need to pay. There are also the risks you don't see. You can see your business assets when you get to work, you can see your building, but you can’t see your expenses unless you are looking at your financial reports.  The point is that these risks are not so "in your face", and could cause [...]

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