Risk Management

Don’t risk being under-insured

Owning something valuable, such as a house, car or boat, without insuring it means taking a huge financial risk. For that reason, around 95 per cent of New Zealanders have insurance to protect against loss due to disaster, accident or theft. However, when it comes to protecting themselves and their family’s future, the majority have little or no insurance cover.

Where there's a Will, but no way

Is your will drawn up? Do you have a power of attorney? Aside from ensuring your investments are right for you, your financial adviser should have a healthy interest in ensuring a few other things in your life are addressed.

Do You Need Life Insurance in Your 20s?

Building a strong financial foundation in your 20s begins with having the right tools. A budget is one thing you'll need, especially if you're focused on building an emergency fund, saving for retirement or paying off debt. Life insurance is something else you ought to add to your toolbox. But does life insurance for young adults make sense?

Your New Year's Resolution

The new year is a time of reflection; a ready-made reminder to us all that we should perhaps take stock of what's happened and what will come next. It is a good time to ask a very simple but profound question: What could possibly go wrong over the course of the coming year?

What does trauma insurance cover me for?

After going blind in one eye, an Invercargill farmer's trauma claim was declined because her medical condition didn't meet her policy's criteria. Blindness in both eyes is covered in her policy whatever the cause, but blindness in one eye is only covered if it is caused by an injury, not a medical event.

Protect your business against the unexpected

A business is only as good as its people.Although you may have implemented plans to protect your buildings and equipment, it's important you don't forget about protecting one of your most important assets - your people.