Insurance News for Real People

The flu and flu vaccines

The flu and flu vaccines

I think it's crucial that we better understand vaccines and especially the flu vaccine.

Myth number 1. The flu vaccine prevents you from getting the Flu.

No, it doesn't. It prevents you from developing a full-blown case of the Flu, and its complications. You may not realise you have had an infection at all because the immunity created by the vaccine has been effective in activating your immune system to deal with it.

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Buying life insurance on emotion; yes, everyone does!

Buying life insurance on emotion; yes, everyone does!

Do you buy on emotion or do you consider the relevant details before buying?

The majority of people buy their insurance based on emotion and then struggle to get what they need at claim time when the harsh reality of the facts gets applied.

We've all heard about Lime Scooters and the media beat up about them, I call it a beat up as all of the stories have lacked any contrast, and they have focused on beating up the innovation and change from the status quo.

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Hijab what is it really and why do we judge what we don't understand so harshly?

Hijab what is it really and why do we judge what we don't understand so harshly?

The terror unleashed in Christchurch has given New Zealand, and the world, pause to consider the world around us. And one of the things that was hotly discussed was Jacinda's decision to wear Hijab.

Given her position of authority, she could have ignored the cultural aspects and shown up as she would usually have, even in the mosque. She is our prime minister after all.

However, Jacinda chose to wear Hijab and demonstrate a deep respect for the pain of the people involved, without adding to the distress on either side (male or female), as religious views and customs in these situations tend to be heightened and more likely to create tension.

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What we Kiwi's can do

What we Kiwi's can do

We have long been a nation of 'can do', mostly because of our isolation and distance from anywhere else.

This has been a double-edged sword, in its restriction to access the world and isolating us from the rest of the world. All that changed last Friday, when the worst of the rest of the world came crashing in on Christchurch.

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To vaccinate or not to vaccinate, it is your choice

To vaccinate or not to vaccinate, it is your choice

This one has been rolling around in my head for some time. And with the more recent World Health Organisation statement that vaccine hesitancy is one of the top 10 global health risks, it's worth saying most of the rhetoric on vaccines are both overblown and entirely out of whack with the reality of the research.

What we do know is medicine in all of its wisdom isn't always right, and science is never 100% certain. And people outside these professions and disciplines don't always appreciate and understand this.

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Our busy lives and lifestyles

Our busy lives and lifestyles

In our busy lives and lifestyles, we often overlook the very valuable activity of stopping and spending some time thinking.

I've taken the opportunity recently to look back over the last three or four years of the Asset Magazine, a financial services publication here in New Zealand and it has been interestingly similar.

The couple of key things I noticed; there has been much shuffling with people moving around, and much noise about new things and change, but the reality has been very little has actually changed.

If I reflect on my early years in the industry, again the reality on the coal face with good advisers doing the right thing for clients, not much has changed there either.

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That dirty word, Commission

That dirty word, Commission

Seems defending ourselves is becoming the default position across most industries.

Where we have the misaligned, aggrieved and just plain biased, coming out of the woodwork.

While I get that there is an opportunity for people to have their say with the upcoming changes in the financial services legislation, some of what is coming out is so left field as to be based back in the ‘70’s when they last interacted with a life insurance adviser. Things have changed.

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Agh, the misinformed media looking for a story

Agh, the misinformed media looking for a story

Ok, I’m riled. Be prepared for a bit of a rant with this one.

So we’ve had Partners Life on FairGo for two weeks in a row. Frankly, a beat up, but then I’m expected to say that...

However, working through the FairGo article, and you can see it here on TVNZ on demand, there are a number of things I have an issue with, and some I agree with.

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The growing argument to decriminalise drug use

The growing argument to decriminalise drug use

If you are like me, you have likely grown up with the view that drug use was something both criminal and for others. Especially for those selling and pushing the drugs.

Moreover, for the ones producing and selling controlled substances, yes, throw the book at them. For the users, however, my view is changing.

Don't misunderstand me, I have had my fair share of it being used around me over the years, but it has never been my thing.

We are seeing more and more evidence that medicinal marijuana has a place in the management and treatment of chronic long-term conditions. That I agree with and it is one that needs both a closer look and a faster response.

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Health and Wellness

Health and Wellness

Here we are, 2018! Happy New Year!

One of the consistent things we have heard over the last few years is 'I cannot wait for this year to end; it has been the worst'.

Which is interesting as some of the people we have heard this from have said this every year for the last few years.

My question to you is; so what are you going to do differently?

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A bump in the road is not the end of the road

A bump in the road is not the end of the road

Someone close to me recently attempted suicide. Here is the letter I wrote to them following this. And I’d like to write to you, and anyone who may be feeling low right now.

Hey, I know you're feeling crap on so many levels right now.

You're feeling like a failure; a burden on everyone, you're embarrassed, you feel like you've let everyone down, you feel worthless, frustrated, isolated, sad, alone, angry, and deflated, all at once.

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De-Stress or Stay Sick - What’s Your Choice?

De-Stress or Stay Sick - What’s Your Choice?

Stress. We live with it and many of us can’t live without it. It has that canny ability to follow us wherever we go. Work, home or school, stress builds a kind of tower, adding one more bit on the top until it gets so high it falls over. Then when that happens, we start suffering the effects of poor physical and mental health. That’s often the time when we decide it’s time to de-stress.

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Redundancy - What Next?

Redundancy - What Next?

Once the initial shock of being made redundant dissipates, the inevitable question of “what’s next” surfaces.  With so many possibilities to consider, this can be a time of confusion, not to mention panic.   Particularly, as you will no doubt also be navigating the emotional roller coaster and loss of identify that so often accompanies job loss. 

Don’t rush

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What insurance colour are you?

What insurance colour are you?

 

Insurance comes in many colours and not just the colours used by the insurance companies.

Though blues and greens tend to prevail with the providers and red has a smattering with a couple. Funny enough black does not feature too much in the mix for some obvious reasons.

Insurance, particularly life insurance is often a dark subject. Why invite it in by talking about it is often a very natural human response. I do not want black and grey in my life; I want bright colour, light and sunshine.

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