Do you have family or friends looking to buy their first home?
A free seminar hosted by Mortgage People with a great panel of local East Auckland experts offering their knowledge and know-how, book your seat now - freephone 0800 823 823 or email us.
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Tuesday, July 10, 2012
First Home Buyers Seminar
Are you a first home buyer?
Do you have family or friends looking to buy their first home?
A free seminar hosted by Mortgage People with a great panel of local East Auckland experts offering their knowledge and know-how, book your seat now - freephone 0800 823 823 or email us.
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Do you have family or friends looking to buy their first home?
A free seminar hosted by Mortgage People with a great panel of local East Auckland experts offering their knowledge and know-how, book your seat now - freephone 0800 823 823 or email us.
Thursday, June 28, 2012
The Big Sleep Out
How well did you sleep last night?
For most, we have a warm home, comfy bed and lots of blankets to ensure a good nights sleep during this cold winter ... sadly, for too many in central Auckland this is not the case.
The Lifewise Big Sleepout is an annual event aimed at raising serious funds and channeling significant attention in the direction of solving homelessness in the city of Auckland - this was held last night, the 28th June 2012.
It is a night where influential New Zealanders forgo their creature comforts for a night of ‘rough sleeping’ as a way of making a public stand against homelessness.
Put simply, it’s a no-holds-barred approach to exposing what is often an invisible issue.
For most, we have a warm home, comfy bed and lots of blankets to ensure a good nights sleep during this cold winter ... sadly, for too many in central Auckland this is not the case.
The Lifewise Big Sleepout is an annual event aimed at raising serious funds and channeling significant attention in the direction of solving homelessness in the city of Auckland - this was held last night, the 28th June 2012.
It is a night where influential New Zealanders forgo their creature comforts for a night of ‘rough sleeping’ as a way of making a public stand against homelessness.
Put simply, it’s a no-holds-barred approach to exposing what is often an invisible issue.
The ultimate aim of the Lifewise Big Sleepout is to
bring an end to homelessness – for good.
It is not too late to make a difference, to make a donation - click here for more info
Thursday, June 21, 2012
Income Protection & ACC
"Without income protection you're likely to be condemned to
a diet of baked beans with just a benefit to survive on!"
It was great to see the NZ Herald article picking up on one of the self employed little secrets. It was headed up "More to income protection that just ACC" and the image used was a tin of backed beans pouring out with the above caption - and for some people this is reality.
Insurance People offer a free ACC review service; and totally support and encourage all self employed clients to see if ACC CoverPlus EXTRA would work for them and their business.
Key Advantages:
- Fixed Agreed Value weekly compensation - you tailor the level of cover to suit your circumstances.
- Claim time - no need to prove your earnings as its already been agreed.
- Peace of mind - you know you will receive 100% of the agreed lost earnings compensation.
Who can apply for ACC CoverPlus EXTRA
- Self employed people who work in their own business
- Sole Traders
- Sub Contractors
- Trades People
- Self employed who work in a partnership
Success Stories
- Classification Code was wrong, once corrected Client A received $16,000 credit!
- Payroll decreased since last year? Check estimated invoices - Client B's reassessment resulted in $11,000 savings!
- Changing to ACC CoverPlus Extra and reducing levies Client C saved $1,300 allowing for comprehensive income protection cover for accident, injury and illness; and only a 4 week wait.
Would you like to be Client D in our success stories?
Freephone 0800 823 823 today or Email us a question.
All reviews are no obligation and a free service.
Disclosure Statement available on request.
Wednesday, June 20, 2012
Stay in contact
Wednesday, May 23, 2012
Health Insurance
"Dropping health cover completely should really be a last resort, because once coverage ceases, it is difficult to pick up later and get coverage for pre-existing conditions".
"Many people have had to make some difficult choices in the last year, although I would urge people to talk with their insurer (adviser) rather than simply dropping their health cover. In many cases there will be options for changing the plan they are on to something more affordable, possibly with a change in the level of excess or coverage".
The above two statements were from the Chief Executive of the Health Funds Association of NZ.
On the other hand whilst the number of lives covered has decreased as shown above the value of insurance claims is certainly not showing any signs of decreasing, as shown below. And the costs for specialists; medicines; surgery and rehabilitation is not going to get cheaper!
"Many people have had to make some difficult choices in the last year, although I would urge people to talk with their insurer (adviser) rather than simply dropping their health cover. In many cases there will be options for changing the plan they are on to something more affordable, possibly with a change in the level of excess or coverage".
The above two statements were from the Chief Executive of the Health Funds Association of NZ.
We can not deny that pressures on our discretionary dollar combined with the increases in the cost of general house and contents insurance following the Canterbury earthquake has resulted in many NZ'ers cancelling their health insurance - in the year to March 2012 the total number of lives insured was 1,351 million, a decrease for the full year of 25,700 people!
On the other hand whilst the number of lives covered has decreased as shown above the value of insurance claims is certainly not showing any signs of decreasing, as shown below. And the costs for specialists; medicines; surgery and rehabilitation is not going to get cheaper!
By 2008 NZ had the OECD's fifth highest public health spending as a proportion of GDP! We also now have a dangerously high reliance on public funding - just 19% of total health spending is privately funded in NZ, compared with an OECD average of 28% and Australia's 33%.
These factors have major implications for how NZ funds health care going forward - given our aging population pointing to rocketing health care costs over the next 20+ years.
What this means
People will have to pay a greater share of their own health care costs; either out of their own pocket or by way of personal health insurance... the modest increase currently proposed to prescription charges is nothing compared to what the future holds!
People have time to adjust and make arrangements now; such as taking personal responsibility for their health care at an early age.
ACC
Last year, ACC received 56,000 applications for funding for elective surgery; while they approved most; the level of declines resulted in some 2,300 complaints for review of ACC's decision! And these are only for "accident" not illness.
Advice
You should always get advice when considering taking out health insurance. Each persons situation and health is different to the next - so personalised advice is key to ensuring people have the best possible health insurance.
Most important is being aware of all the options available - the industry is not clear cut; the health sector is dynamic and products and poolicy wordings continue to evolve which is why we recommend everyone should talk to an insurance adviser who has expertise in this area.
Options to reduce the cost of health insurance:
* Higher Excess * Limited Cover * Specialists & Tests *
* Family Cover * * Best DoctorsTM * New product *
Health insurance takes away the uncertainty of your future health care!
As we've said at the very start; cancelling your insurance should be absolutely a last resort - get advice; have a coffee and chat with an adviser today - make the choice to be in control of your health care.
Email a question | Freephone 0800 823 823
Wednesday, May 9, 2012
Every year 2750 women (& 20 men) are diagnosed with breast cancer ... and thousands of husbands, boyfriends, fathers, sons, daughters, mothers, aunts, partners, grandmothers, friends, cousins and sisters are affected by someone special to them tackling the disease.
More than 650 women die from the disease this year - making it the leading cause of cancer-related death in females.
1 in 9 women will be diagnosed with breast cancer at some time in their lives.
90-95% of women who are diagnosed with breast cancer have no family history of the disease.
Whilst financial assistance doesn't cure the illness, it does mean that women and their families can focus on treatment and recovery without having any financial pressure.
Trauma Cover and Medical Cover provide financial assistance for women and their families dealing with breast cancer at a time when income may be reduced or non-existent and extra funds may be required for medical treatment.
Trauma Cover pays a lump sum in the event of a major medical trauma. Some Trauma policies include special cover for low-grade gender specific cancers.
Medical Cover provides for reimbursement of significant medical expenses.
Did you know?
Although Herceptin (The drug used to treat HER-2+ breast cancer patients) is now government funded for the first 12 months of treatment there are thousands of safe and effective medicines and treatments which are not funded by PHARMAC. Some Medical Covers include cover for non-PHARMAC Medsafe approved treatments and medications.
For a free no obligation review of your medical insurance contact the team at Insurance People today.
freephone 0800 823 823
Disclosure Statement available on request and free of charge.
Statistics from Ministry of Health.
Wednesday, May 2, 2012
What's more precious...
Insurance People would like to share "Choose Precious" from Sovereign.
The key purpose for any Insurance Adviser is to give the best possible advice to a family and to ensure that they are fully protected no matter what life may throw at them...
"Choose Precious" is just one offer available through Insurance People dedicated to you and your family.
Disclosure Statement available on request, free of charge.
The key purpose for any Insurance Adviser is to give the best possible advice to a family and to ensure that they are fully protected no matter what life may throw at them...
"Choose Precious" is just one offer available through Insurance People dedicated to you and your family.
- Are you planning to start a family?
- Is your family expanding?
- Do you have health insurance that covers your children?
- Is the family income earner protected for injury & illness?
Disclosure Statement available on request, free of charge.
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