Six Common Insurance Pitfalls Tripping up New Zealanders

Feb 20, 2024 11:42:51 AM

Navigating the complex landscape of insurance can feel a bit like negotiating a minefield, with hidden hazards ready to trip up even the most diligent of consumers. Amongst these are six common insurance pitfalls which are often overlooked yet have the power to leave Kiwis without enough cover or entirely excluded from their expected benefits. Find out what to look out for and get practical advice on how to avoid these common insurance pitfalls.


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Topics: Insurance Advisers, Life Insurance, Home Insurance, Vehicle Insurance

5 Reasons to Choose an Astute Insurance Adviser for Your General Insurance Needs

Jan 19, 2024 4:50:32 PM

Life is full of uncertainties and whilst we can't predict the future, we can certainly take steps to prepare for it. General Insurance acts as a financial safety net, safeguarding your home, personal belongings, car and business against unexpected events. From minor inconveniences to major setbacks, General Insurance ensures peace of mind and stability in the face of life’s uncertainties. Here are five compelling reasons why working with an Astute Insurance Adviser for your General Insurance needs can make all the difference.


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Topics: Insurance Advisers, Insurance, Financial Health

Optimising Health Insurance Coverage: Understanding Key Terminology

Jan 17, 2024 5:54:21 PM

In the realm of health insurance, the adage "Not all health insurance policies are created equal" holds particular significance, especially in light of evolving, less invasive medical treatments. As innovative healthcare options become more accessible, it is crucial to comprehend the nuanced categories that health insurance providers employ, such as Diagnostic, Consultative, Surgical and Non-Surgical procedures, guaranteed wording, as well as unfunded drug cover.


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Topics: Insurance Advisers, Health Insurance, Financial Health

3 Things to Consider When Buying House, Contents or Vehicle Insurance

Sep 16, 2023 11:31:00 AM

When it comes to safeguarding your belongings, whether it's your dream home, valuable items in your home, or your car, insurance is a safety net. Choosing the right insurance can save you from financial stress in the face of unexpected events. To help you make an informed choice about the right level and type of insurance cover you need, here are three key factors to consider when buying house, contents or vehicle insurance.


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Topics: Insurance Advisers, Home and Contents Insurance, Vehicle Insurance

All You Need to Know About Mortgage Protection Insurance

Mar 25, 2022 2:57:28 PM

Many New Zealanders worry about what would happen to the family home if they were unable to pay their mortgage due to illness, an accident or death. Mortgage protection insurance helps reduce this worry, by taking care of the mortgage repayments and other expenses for a short time in the event you’re unable to cover these costs due to injury or health reasons. If you’re considering adding a mortgage protection insurance policy to your existing insurance policy, read on to find out more.


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Topics: Insurance Advisers, Insurance, First Home Buyer

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