Is Life Insurance Really Worth The Cost?

Oct 29, 2021 4:24:28 PM

Whether or not life insurance is something you decide to add to your financial plan will largely depend on your current financial and personal situation. And while it may be hard to imagine anything going wrong while we’re fit and healthy, it’s still important to think about what would happen if you were unable to earn a living. How would those who rely on you survive financially? In this article, we’ll look at 5 reasons why we believe life insurance is worth the cost.


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Topics: Insurance Advisers, Financial Health, COVID-19

Can I get a home loan if I’m self-employed?

Oct 19, 2021 2:11:23 PM

For most Kiwis, applying for a home loan is fairly straightforward. But for those who are self-employed, running their own business, or working as a freelancer or contractor, applying for a home loan can be a little more complicated. That doesn’t mean it’s impossible, it just takes a little extra work. If you’re in the market to buy your first home and you’re self-employed, here is a guide to some of the things you’ll need to think about.


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Topics: Insurance Advisers, Financial Health

Why Use a Mortgage Adviser When You Already Have a Home Loan?

Oct 19, 2021 2:04:51 PM

When it comes to getting a mortgage, many home buyers choose to work with a mortgage adviser rather than going direct to the bank. That’s because there are several benefits to working with a mortgage adviser. But it’s just not in the home buying process that mortgage advisers offer knowledgeable guidance and advice: even when you already have a home loan, there are instances where it’s worthwhile using a mortgage adviser.


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Topics: Insurance Advisers, Financial Health

5 Insurance Mistakes Many Kiwis Make (and how to avoid them)

Sep 28, 2021 3:53:35 PM

Insurance is something many of us don’t think too much about. Often, it’s only as a result of an event that we even consider buying insurance. Like when we get a mortgage, start a family, or lose someone we love. The fact is, buying insurance isn’t always a simple purchase and there are a few things that can go wrong. If you’re reviewing your insurance options, look out for these five insurance mistakes that many Kiwis make, and consider how to avoid them.


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Topics: Insurance Advisers, Financial Health

When It Pays To Review Your Insurance

Feb 23, 2021 11:57:21 AM

Life changing events often signal the right time to review insurance cover and make any necessary adjustments to policies. While insurance may not always be top of mind, a regular review of all insurance cover ensures your policies still reflect changes to your lifestyle and financial situation. To help you plan an insurance review at the right time, we’ve outlined some of the milestone events that could trigger an insurance review.


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Topics: Selling, Mortgage Advisers, Insurance Advisers

Underinsurance: A Growing Concern in New Zealand

Jun 15, 2020 10:54:27 AM

The Financial Services Council (FSC) recently released its findings into New Zealander’s attitudes towards financial risk. Entitled “Gambling on Life”, the study undertook to understand the reasons behind the high levels of underinsurance in New Zealand and the potential risks Kiwis expose themselves to. Read on to find out what the research uncovered.


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Topics: Insurance Advisers, Insurance, Underinsurance, Insurance advice

Underinsurance: A Growing Concern in New Zealand

Feb 19, 2020 9:19:00 AM

The Financial Services Council (FSC) recently released its findings into New Zealander’s attitudes towards financial risk. Entitled “Gambling on Life”, the study undertook to understand the reasons behind the high levels of underinsurance in New Zealand and the potential risks Kiwis expose themselves to. Read on to find out what the research uncovered.


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Topics: Insurance Advisers, Insurance, Underinsurance, Insurance advice

What insurance do you really need?

Feb 17, 2020 11:02:27 AM

Insurance is not something we enjoy paying. In most instances, we spend tens of thousands of dollars over a lifetime paying for insurance we hardly ever use. But it’s when you need it most that having insurance can change your life. If you aren’t insured and you’d like to understand what insurance you really need, read on to see what the benefits are for you and your family.


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Topics: Mortgage Advisers, Insurance Advisers, Insurance, Underinsurance, NZ Mortgage Adviser

New appointment release: Mike Clinch - Mortgage and Insurance Adviser

Mar 8, 2017 2:23:33 PM

Mortgage Express is pleased to announce the appointment of Mike Clinch, Mortgage and Insurance Adviser based in Tauranga.

Having worked for two of New Zealand’s big banks for well over 20 years, Mike brings a wealth of financial knowledge and business experience to the table.

“Understanding banking and business provides a solid base to take the legwork out of the process of arranging finance. I’m keen to share my expertise with my clients to assist them in meeting their financial goals,” says Mike.


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Topics: Mortgage Advisers, Tauranga Mortgage Advisers, Insurance Advisers

New appointment release: Grant Taylor - Insurance Adviser

Oct 25, 2016 9:27:37 AM

Mortgage Express is pleased to announce that Grant Taylor has joined its team of advisers as an insurance adviser.

Mr Taylor has had a successful career in the insurance industry.  Having established his own company in 1978, Mr Taylor went on to qualify and attend his first Million Dollar Round Table event at the age of just 22.

A well-known and highly regarded insurance adviser, Mr Taylor’s business model has been recognised with the international quality award in recognition of quality life underwriting service to the public.

 


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Topics: Insurance Advisers, Wellington Insurance Adviser