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What happens if you die without a Will?

Around 1500 people die in New Zealand every year without a will. But what happens to your assets if you haven’t spelled out what you would like to happen? Research by trustee company Perpetual Guardian has found there are plenty of misconceptions: One in four people believed their assets would automatically go to their next..Read More

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What is Life Insurance and Why Do I Need IT?

1. WHAT IS LIFE COVER? Life insurance is an insurance that pays a lump sum if you die or are diagnosed with a terminal illness. You should have Life Insurance if your family depends on you for your income as Life Insurance is designed to help your family pay costs that you would have helped..Read More

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Life Insurance. Is Insurance a Gamble?

Decidedly not! But the other week a client of mine likened buying insurance to putting money down on a game of poker. Risk, according to him, was just the odds we’re running that something bad will happen. You’re betting against the insurance company. But as an insurance adviser that’s not how I see it. In his..Read More

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Life Insurance. Why it is necessary…

Life insurance provides financial support and relief to your family in the event of your death. None of us ever want to think that we will need life insurance, but since you cannot predict your future, life insurance will provide some financial comfort for those left behind. The benefits of life insurance are many, but..Read More

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Holiday Party Survival Tips

With Christmas just around the corner, there will be parties galore to attend. Which generally means an increase in our alcohol and food consumption. So, here are 5 tips to survive the holiday party season with your waistline the same size and your driver’s license still firmly in your wallet. 1 – If there’s a..Read More

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How to Keep Your Head above Financial Water

Have you just received your latest power or internet bill and been given a huge shock? If so, you’re in the same predicament as many other New Zealanders. Price increases have been aggravated by unusually wintry weather causing power bills to skyrocket. And, if your income is heading in the opposite direction because of a..Read More

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Are You Taking Your Retirement Seriously?

Inexplicably, time seems to move faster as we get older. That means every day you put off planning the funding of your retirement is another day wasted. You could end up retired (planned or unexpectedly) with insufficient funds to retain your current standard of living. A new government study shows that only 10% of those..Read More

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Why You Need an Adviser

Now that we can all buy anything we want on the internet at any time you’d be excused for thinking that buying insurance online is a cinch. But while many companies offer insurance online, how do you know you’re buying what you really need? Most of us love a bargain and our buying decisions are..Read More

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