Insurance News for Real People

How we catch the flu from Aussie’s cold

How we catch the flu from Aussie’s cold

While writing my last article on redundancy cover and why it should be considered, I had some additional thoughts while reading the research.  

It highlighted for the average punter, just getting on with life, that they didn't necessarily have the time, energy, or inclination, to do the research I had done. And even if they did, they may not have understood what they were seeing.

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Why redundancy insurance coverage needs to be considered

Why redundancy insurance coverage needs to be considered

Having been around business for over 20 years working either on the coal face of businesses or managing aspects of companies, we have accumulated plenty of experience navigating the market.

One thing that is coming clear is it isn't often the quality of staff or even the stability of a business that dictates when a company might restructure and lay off a whole bunch of staff, or even just one person.

With this, we have a feel for what goes on with job ebbs and flows, and we are entering a cycle where the likelihood of disruption that forces job changes on people is higher than what we would consider normal.

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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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Mental Health Review Released

Mental Health Review Released

The report on New Zealand Mental Health is a disappointing read. Yes, we need more funding in mental health, up there with no **** Sherlock. But the fundamental approach by those with the power to effect real change continues to ignore the suggestions from grassroots New Zealand on what is needed.

Mike King, by his own admission, is an addict and a bully, and after realising this is doing his piece to make a difference and address those things that cause many of the issues the report has determined they don't have a solution for. Mike has had some awesomely effective ideas, yet has been completely shut out of the process.

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5 Reasons Why You Should Use An Insurance Advisor

5 Reasons Why You Should Use An Insurance Advisor

You’re looking for insurance cover, be it for your life, home, income or health. You have two choices. You can use an insurance advisor to do all the hard work for you, or you could purchase straight from the insurer's website. Which one will you pick?

Obviously, we recommend that you use an insurance advisor and today we’re explaining the five most important reasons why.

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Landlords Insurance: What You Need to Know When Renting Your Home

Landlords Insurance: What You Need to Know When Renting Your Home

If you’re planning to rent your home, first do your research about landlords insurance. That’s because regular homeowner’s insurance will not cover your investment property once a tenant moves in. As insurance advisors, we know our stuff and have done the hard work for you, compiling this key guide about the must know aspects of landlords insurance for you.

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Claims and the Claims process

Claims and the Claims process

Right oh, if you are reading this from the perspective of trying to claim, we might be a bit shutting the gate after the horse has bolted. Though there may still be things we can do, so do check out our claims advocation service. Where we can we help people get the support they need from what is available.

For those who are looking for life insurance and wanting to find the best deal on life insurance, this is the starting point. Knowing what you don’t know that can hurt you.

The best deal in life insurance is a policy that responds and works when it is needed, not the premium you pay. Because paying a cheap premium doesn’t necessarily mean you have the right cover. Nor does it guarantee you put it in place correctly.

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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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How Will You Know If You Need a Hip Replacement?

How Will You Know If You Need a Hip Replacement?

Bones. We’re all born with them. Some are big, some are little. Some break often and some grow crooked. As we age, they show their age just like the rest of our body. Our hips and knees are often the first thing to wear out. But how will you know when you need a hip replacement?

4 Signs Which Show You May Need a Hip Replacement

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ACC and self-employed when it comes to claims

ACC and self-employed when it comes to claims

In the last few years, it has come to my attention that ACC's approach to weekly compensation claims for self-employed people is somewhat challenged.

This has been highlighted directly with a couple of situations with another colleague of mine and an ACC claim I have lodged myself.

There is a combination of lack of intuitive interface design by those involved with making ACC's system and the understanding of the medical people that use it.

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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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Private Motor Vehicle Used for Business

Private Motor Vehicle Used for Business

I recently had some contact with a colleague looking for assistance with a friend who had a car accident while working but didn't have commercial vehicle insurance.

  • You have a car.
  • You use it mostly for private use.
  • You have comprehensive car insurance.
  • You are involved in a hobby or sideline to your normal occupation.

Now, many people take the approach she'll be right, because when they last read their policy document, as an 18-year-old with their first car, it either said incidental business use was covered, or it could be covered, you just needed to let them know.

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