No one likes to think about what would happen if they developed a serious illness. Optimistically we may believe that while this might happen to others, it won’t happen to us. However, life is not always predictable.
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Insurance
Six months on from our initial Level 4 lockdown we reflect on some learnings during this time.
Wise words which apply to many things in life. The few dollars saved from buying a cheaper product are soon forgotten when the product is found to be defective, not deliver what you thought it would or need replacing after a fairly short period of time.
If you are selling your home to move into a retirement village, don’t make the mistake of cancelling your home insurance too early.
AMP Life is now proudly owned by Resolution Life, a global life insurance group focusing on the acquisition and management of portfolios of in-force life insurance policies, such as AMP Life.
No one knows when and where the next financial shock will come from – major events such as we have just experienced from Covid-19, illness or injury, redundancy or a significant change in your circumstances can happen any time.
Our offices in the Forum will need to remain closed until the Alert Level for Covid-19 is reduced to Level 2 or lower. During this time we will continue working remotely.
Our offices in the Forum are now closed following the Covid-19 shutdown and we are working remotely.
While we are working remotely our service timeframes are likely to be longer than usual but we will respond as soon as possible.
Following the Sky City hotel fire and other high profile losses, there has been a lot of discussion regarding potential liability claims for sub-contractors.
Being a stay-at-home parent is a full-time gig. As a teacher, counsellor, chef, housekeeper and more, they are contributing tens of thousands of dollars of unpaid work to your family every year.
According to new research from the Financial Services Council, New Zealanders who take advice from an adviser have much more confidence in their cover, compared to those who purchase insurance online.
Quad bikes are a serial killer in New Zealand workplaces. Eighty-one people were killed on work quad bikes between January 2000 and October 2017. Three have died since July last year. Most fatalities and injuries are caused by roll overs.
Whenever you apply for personal insurance cover, the insurers will ask you a series of questions to assist them to make an underwriting decision. These will cover things about your current and past health, your occupation, pastimes and family medical history.
Australia’s Financial Services Council is enacting a moratorium on life insurance genetic test results as a binding standard - and its counterpart in New Zealand says it’s an issue that’s on the agenda here too.
SumExtra is a 'top up' cover that makes your AMP Home Plan - Maxi cover home insurance go further. It provides extra financial help if the cost of repairs or replacement for your house are ever more than your Sum Insured.
In a well-publicised High Court judgment former directors of Mainzeal Property and Construction Limited (in liquidation) were found liable for breach of their directors’ duties by trading recklessly whilst the company had been insolvent over a period of years.
Most people know that insurance policies include an excess. But if you’ve never made a claim you might not really know what an excess is for, or how they work.
Even if you’ve read your policy information thoroughly or have made claims before, there are a few things about insurance excesses that you may not know.
Different businesses will have different health and safety risks. It all depends on the type of work you do.
A healthy and safe workplace starts with identifying and understanding what your work-related health and safety risks are; particularly those that have the potential to cause people serious injury or illness.
Wearable devices, like Fitbit watches, are becoming more and more popular and insurers are interested in the data they collect.
Life insurance cover provides two main premium options – ‘stepped or ‘level’.
‘Stepped’ premiums increase yearly with age, any inflation adjustments and general changes in premium rates. Premiums are very affordable in the short term, becoming increasingly expensive in later years.