Thoughts and Opinions
Understanding ACC Terms
The Accident Compensation Corporation (ACC) is a unique feature of New Zealand's social insurance system, providing financial compensation and support to people who have been injured in accidents...
Understanding Accidental Injury Insurance Terms
Accidental injury insurance, is also named Specific Injury Cover, is a type of coverage designed to provide financial support if you suffer an injury due to an accident...
Understanding Health Insurance Terms
Health insurance is a crucial aspect of managing your well-being and financial security, especially when unexpected medical expenses arise...
Understanding Cancer Cover Benefit
Cancer can be a life-altering diagnosis, and having the right insurance coverage can make a significant difference in managing the financial impact of the disease...
Making a Plan
Having all important information in one place can make a significant difference for your loved ones in the event of your passing...
Understanding Mortgage Protection Insurance Terms
Owning a home is a significant milestone, but it also comes with the responsibility of managing your mortgage payments. Mortgage protection insurance is designed to safeguard your home...
Understanding Income Insurance Terms
Income insurance, also known as income protection insurance, is a crucial safety net for anyone who relies on a regular income to cover living expenses...
Understanding Total and Permanent Disability (TPD) Insurance Terms
Total and Permanent Disability (TPD) insurance is an important form of coverage that provides financial protection if you become permanently disabled and are unable to work...
Understanding Trauma Insurance Terms
Trauma insurance, also known as critical illness insurance, is designed to provide financial support when you’re diagnosed with a severe medical condition...
Understanding Life Insurance Terms
Navigating the world of life insurance can be daunting, especially with the array of terms and jargon used by providers...
Benefits of Working with an Insurance Adviser
Choosing the right insurance can be a daunting task, given the multitude of options and the complexity of various policies. An insurance adviser can be a valuable ally in navigating this landscape…
Starting a Home Budget: A Step-by-Step Guide
Creating and maintaining a home budget is crucial for financial stability and achieving your financial goals. If you’re new to budgeting, starting from scratch can seem overwhelming, but breaking the process down into manageable steps can simplify it…
Understanding Medical Costs and Insurance Options in New Zealand
Navigating the healthcare system can be complex, especially when balancing costs and coverage. In New Zealand, while the public healthcare system offers substantial support, private medical insurance can provide additional benefits…
Safeguarding Your Future: Protecting Your Income with Insurance
Securing your financial stability in New Zealand involves more than just managing your savings and investments. It also requires protecting your most valuable asset: your income…
Understanding the Importance of Having a Will
Planning for the future is a critical aspect of responsible financial management and ensuring peace of mind for yourself and your loved ones…
Understanding the Vital Role of Trauma Insurance
In New Zealand, when it comes to safeguarding your financial well-being against unforeseen medical emergencies, trauma insurance stands out as a crucial safeguard…
Why you should have a “Cash Cushion”... And an Emergency Fund
What is a Cash Cushion? A cash cushion is a balance kept in your bank account to eliminate your account going into overdraft or receiving dishonour fees because of insufficient funds…
Serious Illness: Most can’t Pay Rent, Mortgage within Three Months
In New Zealand serious illness is 2.6 more times more likely to strike than a serious accident putting an earner off work for six months or more…
Life's Profound Lessons
Life has many lessons. Some we continue to ignore and others can be profound. Our youngest daughter at the age of 11 taught me a profound lesson. She would randomly grab her fishing rod, tackle box, bait and knife and yell out ‘see you later’ and be off…
A Realistic look at Income Protection
Your ability to work is your single biggest asset. It’s your ability to earn money that gives you independence, freedom and the passport to lifestyle choices…