Insurance News for Real People

With my insurance, How quickly can funds become available?

With my insurance, How quickly can funds become available?

 

Often this is a question about 'Am I protected?' The person is looking for reassurance that the insurance they have taken and have been paying for is going to work.

It is also a very practical question.

If you have been relying on your recently deceased partner's income to pay the bills, it is a really valid question.

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Insurance premiums, the love-hate relationship

Insurance premiums, the love-hate relationship

As an insurance adviser, insurance premiums are part of what we cover with clients every day.

You know what, it does not matter how young or old you are, how rich or poor, the conversation around premiums is universally the same.

Let me get something clear out front. I am an insurance adviser, not an insurance agent.

This means, frankly, I do not care what cover you take or have, who it is with or how much you spend on it; so long as it is the right benefit at the right level at an acceptable premium for you.

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Start up business, new year, new risks

Start up business, new year, new risks

I’ve said for many years Kiwi’s love being self-employed, and we seem to switch between employed and self-employed a lot. Some succeed, some have a change of direction, some it’s about a change of situation. The point is, change is inevitable.

What will surprise you; typically, there are over 45,000 start-up businesses each year in New Zealand. Anecdotal evidence also suggests that a large number of these businesses are registered with the Companies Office early in the new year. Unfortunately, a lot of these businesses will simply fail due to cash-flow constraints. Some will be because the business isn’t sustainable, but the more likely reason is someone got injured or was prevented from working due to a disability.

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What are your aspirations this year?

What are your aspirations this year?

 

It is that time of year, its fresh and new and the possibilities await!

My question to you is what are you going to do different to ensure you achieve the things you want?

Someone somewhere has said, "To repeat the same thing over and over and expect a different result is the definition of insanity." So what are you going to do to avoid the insanity of repeating the last few years?

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Health and Safety what you need to be thinking about

Health and Safety what you need to be thinking about

I am doing a presentation to a group of business people shortly around planning for Health & Safety risks and what implementing a Health & Safety Plan is about.

One of the things I have done is to get out to the WorkSafe website and see what they say on the subject. It is pretty good!

Their around the block tool is a handy, easy interface to the site for those who want to dig at specific examples of what relates to their business.

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Wills, Trusts & Estate Planning

Wills, Trusts & Estate Planning

 

They say all is fair in love and war. 

And it was first said by Miguel de Cervantes who made the comparison in 1604 in Don Quixote when he wrote, "Love and war are all one . . . Which was translated from the original Spanish used.

Variations have been used since, though it was not until 1850 that we saw the exact phrasing we know today.

Frank Smedley wrote in his novel, Frank Fairlegh: Scenes from the Life of a Private Pupil:

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Unfunded and Non-Pharmac for Southern Cross and other providers

Unfunded and Non-Pharmac for Southern Cross and other providers

So you have existing medical insurance cover but you are concerned about unfunded and non-Pharmac subsidised medicines, especially for cancer.

You are concerned because your present cover is either limited or non-existent for this area of your medical treatment. 

If you are fit and healthy then this is not quite the issue it could be and moving to a plan that does cover this is relatively straight forward. 

But that’s not the reason you are reading this either.

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Movember

Movember

 

I'm doing Movember this year, raising funds and awareness for men's health, please support the cause here mobro.co/willowgrove

I want to raise awareness about mens health and getting regular medical checks, even when you feel fine.

As a life insurance adviser, dealing with preventable conditions, particularly with men, is one of the most frustrating things I encounter.

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Updated - Do you have medical insurance? Will it really work?

Updated - Do you have medical insurance? Will it really work?

This is an update of my earlier blog dated the 14th of March 2016 which can be found here for comparison.

I'm updating this post as a new one as we have had Sovereign come out with an announcement that they will be retrospectively applying un-funded medicines cover for cancer to their historical medical product range. This one change effectively doubles the cover and unfunded access to treatment in New Zealand. That's Huge!

Those that have been reading my blog and social posts on a regular basis will have seen I’ve got a particular bee in my bonnet about unfunded medicines. Partly driven from my view insurance advice needs to improve but also ensuring you have access to the best treatment possible when you really need it the most.

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Cancer definitions in trauma insurance cover

Cancer definitions in trauma insurance cover

 

Continuing from the previous blog on breast cancer claims, we are going to get a bit technical and dive much deeper into what today's policy wordings say about cancer definitions.  

We did something similar on heart attack definitions a couple of months ago, though this is significantly longer. I am going do something I have not seen in a blog, add an appendix!

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Continued Cancer definitions in trauma insurance cover

Continued Cancer definitions in trauma insurance cover

Continuing from our previous post on the primary cancer benefit definitions we cover the early or less severe stages of a cancer claim with these definitions. If you want to read the main article, you can read that here first

Partial or Early Cancer Benefits

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Getting married or recently engaged?

Getting married or recently engaged?

 

We've been chatting in a number of groups about risk and insurance and we got chatting with Amanda from Southern Bride.

Having got married not too long ago myself, I appreciate the stress and challenges arranging a wedding can have.

Not to mention some of the risks that pop up with not only the celebration on the day, but the final parties before and some of the antics that happen.

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