Life insurance is a vital financial tool that provides protection and peace of mind to individuals and families. However, navigating the world of life insurance can be overwhelming, especially with the prevalence of myths and misconceptions. In this blog post, we aim to debunk these myths and provide clarity to New Zealanders, empowering them to make informed decisions about their insurance needs.Myth vs Fact: Debunking Common MisconceptionsMyth 1: Life Insurance is Expensive Fact: While the cos ..read more

In the latest economic update, the Reserve Bank of New Zealand's (RBNZ) Expectations Survey provides insights that could impact your mortgage and financial decisions. Let's break it down:Inflation Expectations: Heading DownwardGood news for borrowers—business leaders and forecasters predict a drop in annual inflation rates from 4.7% to 3.22% by next year and further to 2.5% in early 2026. This aligns with RBNZ's goals and may mean steady interest rates in the near term. Wage Growth and In ..read more

As we eagerly welcome the New Zealand summer, filled with sunshine and exciting activities, it's a good time to reflect on the unexpected events life can throw our way. A broken bone in a cast can result in a $15,000 cash payout. It may not stop the pain of the injury, but it will certainly help.Accidental Broken Bone Coverage: Peace of Mind for Your SummerImagine you're out cycling, working on a DIY project, or enjoying a friendly game of backyard cricket. While we all hope for safety, accident ..read more

Introduction:Recent data has highlighted a concerning trend in New Zealand - an increasing number of retirees are burdened with significant mortgage debt well into their retirement years. This trend underscores the importance of maintaining comprehensive life insurance coverage not only as you approach retirement but throughout your retirement years.Let’s delve into the significance of long-term life insurance coverage and introduce you to a valuable concept – leveling premiums – that can ..read more

When you think about the topics you discuss with your friends and family, insurance probably isn't at the top of your list. It may seem dry, and many people hope they'll never actually need to use it. However, having occasional conversations about insurance can make a significant difference. It's not about giving advice or telling your them what they should do, but rather sharing your experiences and raising awareness about the importance of insurance. These discussions could open their eyes to ..read more

Life is a journey of twists and turns, marked by milestones and moments that shape our path. The best life insurance companies in New Zealand understand this, offering you the flexibility to adjust your coverage as your circumstances evolve and significant events occur. One such remarkable feature that provides you with increased financial security is the Special Events Increase.Special Events Increase Benefits: The Special Events Increase is a pivotal built-in benefit that enables you to enhanc ..read more

Healthcare is a fundamental aspect of our lives, and as the demands on our healthcare system continue to rise, it's crucial to consider whether having health insurance is a wise decision. Surprisingly, only about 30% of New Zealanders have health insurance, according to the Health Funds Association of New Zealand. Now let us explore the significance of health insurance and provide valuable insights into what to look for when comparing policies. The Public Healthcare SystemWith New Zealand's ..read more

Whether we like it or not, personal safety should be a concern for everyone. While it's essential to always be aware of potential risks no matter what plans you have put in place, there are proactive steps we can all take that that can minimise the chances of becoming a victim of crime.By incorporating simple and practical habits into different aspects of our lives, we can create a safer environment for ourselves and those around us.In this blog, we'll explore a range of ideas for protecting you ..read more

Small businesses are the backbone of our economy, and the primary source of income for hundreds of thousands of Kiwi families.If you’re a business owner, or thinking about taking on the challenge, you may be looking into business and or personal insurance. It’s something that can often be overlooked but as an insurance adviser, we see just how critical it is.In this blog post, we will discuss the importance of both personal cover and business cover for small business owners and how it can pr ..read more

As you head into your 50s, you may be approaching the peak of your career and earning potential and it’s also a time when you may start to think more about retirement and financial security. This is a critical time when it comes to earning, saving and preparing for the future so it is important to avoid making costly financial mistakes during this crucial stage of your life.Here are the top three financial mistakes to avoid in your 50s:Not saving enough for retirement.One of the biggest financ ..read more