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When does your life cover expire?

Most people don't think about lasting longer than their life cover will, but for a lot of people out there that's exactly what will happen. A large number of people I talk to that took out life cover over 10 years ago have never checked to see when it expires and they get a shock when I tell them it's at age 65. Most life insurers run their life cover through to age 100 but there are a lot of older policies out there that don't do that and will stop when you get to age 65, which might be getting...

For every home lost by fire.....

There are FOUR lost through death and 48 homes foreclosed as a result of disability or not being able to work. (source: CommInsure Commonwealth bank of Australia claims experience 2010) We highly recommend insuring your home against fire at NZ Advice Group, but we don't want you to forget that it could be even more important to insure your income in case you are unable to work, and your life in case you pass away so your family still has a home to live in....

Insurance Claims

When something happens and we need to make a claim on our cover it can be a very difficult time. It could be a life claim for someone very close to us or a trauma claim when our loved one is now in hospital, but whatever the reason for the claim, its nice to know that you can call Reagan directly to discuss it and get his help to fill in the claim forms for processing. Its always nicer to deal with someone you know and was there with you when you filled in the original application forms rather t...

Reducing Short Term Debt

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Farmers changing roles on June 1st

This time of year a lot of farmers are sorting out their new farm or new farm roles for the changes on June 1st. Some farmers are now going to be self employed for the first time as 50/50 sharemilkers and are buying their new herd or are taking on a contract as a lower order milker. With these changes being made there is usually a need for a review of their life insurance for those taking on more debt but also income protection if they are unable to work due to sickness or accident. Farmers ha...