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Here I am 12 months down the track from Dreamworld killing 4 of its visitors and reflecting on the last 12 months.
Yes, I’m back on the Gold Coast, in a virtual rinse and repeat of last years holiday. Mr 2 3/4 is now Mr 3 3/4 and we’re here at much the same time to do much the same things.
We’re even staying in the same place, Ashmore Palms, nice, quiet, cabin based family holiday park. More in the style of a classy camping park than a Gold Coast high rise apartment. Suits us just fine.
Health and Safety at work; why are we involved?
In a word it's risk. Risk for employees, risk for self-employed and risk for businesses.
For many of our retail or domestic clients this only has a bearing with us if the are injured at work and have to progress a claim with an insurer and/or ACC.
Confronting title, the short answer is when you don't review it.
The longer answer is all about the claim and it's highlighted well in this article Insurance company refuses to cover auckland mum with rare illness
I feel for the family involved, it's not the outcome, as an insurance adviser, we like to see. It's not the outcome as a policyholder or as a human being we want either.
If you are full time self-employed and you have not restructured your ACC, you are a bloody numpty
Yes, I called you a numpty! There's a reason for this.
As a self-employed person when it comes to accident injuries you have to prove your income to get weekly compensation paid.
It turns out, doctors really are concerned with the type of poos you have. In fact, there’s even a poo classification system called the Bristol Stool Chart. That means, when it comes to your poo, you no longer need to make a guess at the types you have – you can point instead! The type of make a guess at the types you have – you can point instead! The type of poos you have are something you should pay attention to, as changes can point to several health conditions.
Ratings, company ratings, like those bestowed by Standards & Poors (S&P) and Moodys, often come up in discussion between advisers and insurers.
What's interesting about this discussion is it always seems to be about this company is rated better than that company. Without swearing too much, FFS, play the ball not the player.
Insurance adviser or insurance broker, what’s in a title?
Quite a bit actually. “Are you an insurance broker?” is a very common question. Yes, sort of, is the answer.
That’s because, under the regulations we have, we’re insurance advisers, not insurance brokers.
Melanoma is the most serious form of skin cancer and with over 4,000 people diagnosed with melanoma in New Zealand each year, we have one of the world’s highest rates. Sun exposure is the number one cause of melanoma, with genetics also playing a part. Melanoma is the uncontrolled growth of melanocytes, which are the cells which produce the pigment which colours our hair, skin and eyes. If caught early enough, it is treatable, but once it has spread, the prognosis is not so great.
It’s all about Pharmac when it comes to melanoma treatment. Pharmac either fund it or they don’t. If they do and if it is the right treatment for you, then you get it. If they don’t, even though your doctor recommends it, you get a big fat no. A no is not something you want to hear when you’re battling a diagnosis of melanoma, regardless which stage it is at. So, how do you turn that no into a yes and get the right treatment for you?
Maybe you should have another look. This opinion piece in the New Zealand Herald is a great example of why you need a good risk adviser, who also works with ACC, as well as your insurance.
No, you employed people aren't exempt from this either. If you plan on taking a break from employment for any reason you too need advice on your ACC coverage for accident disabilities and weekly compensation.
As an adviser, there are few things more challenging than sitting across the table from someone who has just been given the news they have bowel cancer asking “So tell me how is my plan going to work?”
When it comes down to it the right policy is only half of the solution. In this situation not only did we put the plan in place, when it has come to this point we have it right, exactly how they want it.
When we say we put our clients front and centre, we mean it. After answering ‘that’ question above, not only has our client taken the time to say thank you for persevering, they took the time to write the following.
Breast cancer is a game changer. With over 3000 women and 20 men diagnosed each year, breast cancer wrecks lives. It’s not all doom and gloom however. If identified while it is in the early stages, a complete recovery is possible. The problem being, access to free breast cancer screening is restricted here in New Zealand.
It sucks. What more can I say?
Are you prepared for the worst-case scenario? It’s not something any of us like to think about, yet us business owners die and get sick too. We may also end up having to sell our business. Having a succession plan in place makes it nice and clear who gets what and what they must do. Writing one isn’t that hard and involves mostly two actions: transfer of assets and transfer of control. Let’s walk it through …
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.
When it comes to financial advice, and sales in general, there are typically five approaches that sales people take.
We are firmly an ideal world advisory firm, as we like to consider ourselves advisers, rather than just sales people.
Sales people sell stuff; we collaboratively weave you a risk protection plan that is driven by your desired outcomes.
Postal Address:
PO Box 301792
Albany
Auckland