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Whether you need to cover your income, protect your mortgage, or ensure ongoing financial security in the case of illness we’ll help you understand how you can cost effectively cover your risks.

News

Title: refixing your mortgage – switching banks might get you the best deal

Date: 2015-05-15

Body:

Is it time to fix your mortgage? Do you stay with your current bank or is the grass greener elsewhere?
When it’s time to refix their current mortgage clients often ask us if switching banks would get them a better deal. The common theme in all our conversations is that they’d be happy to stay with their current bank if they’re offering the best deal, and they’re equally happy to move if they can do better.
There are three main reasons why people look to make a move from their existing bank. Firstly, they’re after a better deal. Secondly, they may be unhappy with the service they’re getting. And thirdly, because their existing bank can...

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Title: Are we sicker or just savvier customers?

Date: 2015-05-15

Body:

I don’t think people are sicker, and yet, there are more people claiming benefits, both state and income protection benefits. A big study for the New Zealand treasury a little while ago was done to look at the same question.
“Little SB (sickness benefit) and IB (invalid’s benefit) growth can be explained by increases in ill-health and disability among the working age population, either overall or due to population ageing” says Michael Fletcher in his December 2009 paper. He produces Ministry of Health data to support that view too.
Although, with so many things, this is complicated to even measure. So much so that the researcher for that paper had...

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Title: There is more to life insurance

Date: 2015-05-08

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Life insurance – it’s not something any of us like to think about. We know it’s important to protect our loved ones financial future should we die, but that’s the thing - it’s only payable on death. Or is it?

What some people don’t realise is that the term ‘life insurance’ encompasses many different products designed to protect you and your family from many of life’s challenges. One such product is Trauma Cover.

What is Trauma Cover?

Trauma Cover pays a one-off amount if you are diagnosed for the first time with a...

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