I know it sounds really depressing but death is a part of life. Its not until someone close passes away or someone famous when the realities of just how vulnerable we are really hits home. When the likes of All Black star Jerry Collins and...
When I was a young boy growing up nobody had even heard of health insurance. We had great health system that we could rely on for quick and immediate treatment. Those days are now long gone. These are the top five reasons why you must have...
KiwiSaver will eventually become compulsory. At the moment all new employees are automatically enrolled in KiwiSaver but have the right to opt out making KiwiSaver compulsory to all working Nzers is the best thing today. NZ as a nation are terrible savers. We have left...
Ask yourself...
I just read a really sad article about a young mum from Auckland who just died from cancer age 35 yrs. She was a wife and mother to a son. She was diagnosed with a very aggressive form of cancer and didn't even have time...
Only about 33% of New Zealand's have health insurance and the majority have it through a work scheme. As Kiwis we are use to the government looking after us with all aspects of our life such as welfare, retirement and the health system. We are...
The average Kiwi has only three weeks worth of savings put away. If the average Kiwi got sick or injured and couldn't work, or they couldn't pay the bills for three weeks, then they would be facing dire financial consequences. All those lucky enough to own...
When thinking about taking out Trauma or Critical illness cover here are my 6 Must do's. 1. Don't Go Direct to a company and try and take out the cover yourself What this means is don't do it through all those direct companies we see advertised on...
Trauma or critical illness insurance is one insurance product that is a must in todays environment. Most populations around the world are now concentrated in large metropolitan cities. Rural spread is declining fast especially in countries such as China and India. traditional country people are migrating...
Lock in your life insurance premiums so they never go up due to your age. I have been a financial planner for over 15 years now and one of the most common questions I get from people regarding their personal insurances such as life insurance is...