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Do You Need Income Protection Insurance?

If you couldn’t work due to a serious illness, how would you manage?  Could you survive on savings, or on your sick pay from work?  If not, you’ll need some other way to keep paying the bills – and you should consider income protection insurance. Income protection insurance pays a monthly income during a period …


What is Melanoma?

Melanoma is possibly the most serious form of skin cancer and can begin within an existing mole or can also appear out of the blue.   Melanoma is known to spread very quickly once it penetrates below the surface of the skin, which means it is very important to identify Melanoma as early as possible.  …


How Critical Illness Insurance could make a huge difference in your life

We all know someone that has suffered a heart attack, stroke or cancer.  After all, they are the most common reasons people have to claim on their health insurance.  Approximately 21 people have a stroke every day in New Zealand with a quarter occurring in people aged under 65, and over 2800 woman are diagnosed …


Insurance – Another Way To Be Proactive About Your Health

 OnePath recently published the following article about health and trauma insurance. Being proactive about your health isn’t just about staying healthy and having regular check-ups.  Unfortunately illnesses such as breast or prostate cancer can strike anyone at any age, regardless of their lifestyle – and when it does, it pays to be protected.


Do I Need Health Insurance?

Why do I need Health Insurance?  Here we answer 9 commonly asked questions.   1. Do I Really Need Insurance? Although it may be easy to adopt an attitude of ‘it won’t happen to me’, it is a statistical fact that you will require hospitalisation or surgery at some point in your life – in some cases …


Death or serious illness of a Partner or Shareholder in your business

The untimely death of a key shareholder can have far greater downstream effects than the initial impact on the company and staff.  Customer confidence can be dented; debtors and creditors made nervous and unscrupulous competitors can move to capitalize on any perceived instability in your business. Without close management, external ‘perception’ can extend and exacerbate …


ACC Cover versus Income Protection Insurance – know the difference

The Ins and Outs of ACC have been well-covered and debated in the media recently.  We often get asked about the merits of ACC cover versus income protection insurance when in reality the best result for those insured is a combination of both. But it’s important not to confuse ACC cover with income protection – …


Michael’s Story – Stress and Risk Protection

Michael was 39 years old and married. He had his own successful accounting firm with six support staff. In 1993, when he took out a Risk Protection Plan, his adviser recommended he purchase Business Overheads Cover with a two year benefit period. In June of 1995, the stress of running his business became too much …


John’s Story – Critical Illness Cover

John, a 50 year old lawyer, had his world turned upside down when he was advised by his doctor to undergo quadruple by-pass surgery. A week later he had the heart surgery. John was well prepared and through his critical illness cover as part of his Risk Protection Plan, received a lump sum benefit of …


Kate’s Story – Health insurance with critical illness cover

Kate worked as a legal secretary at an Auckland law firm. In August 2009 she had tests carried out by her doctor as she had not been feeling right for a while. The tests indicated that Kate had ovarian cancer. Surgery followed, leaving Kate unable to work for six weeks. Kate had critical illness insurance …

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