Insurances

A grudge purchase? - Insurance works - believe it or not

Many people see any kind of insurance as a grudge purchase.  At Moneyworks we refer people to a specialist fire and general insurance broker to get help with their house, contents, car, boat, professional indemnity insurance.

But we specialise in advising our clients on their personal insurances.  Life, Trauma, Income Protection, Health/Medical insurances.

Over the last two years we have had over 15 successful insurance claims from our clients on trauma, total and permanent disability and income protection insurances, none were turned down because we helped our clients to fill in their application forms properly with full disclosure and with their claims.

In addition to the many health insurance claims that our clients have had, the claims from these policies have been almost life changing for our clients.

Insurance works, and it can make a big difference to you achieving your goals if something goes wrong along the way with your health.

Lindsay Duncan - Wellington

The AMP claim on Jo's income protection policy is now totally complete - the money is in the bank.  AMP were a pleasure to deal with - even in the pre-Christmas rush.  I repeat what I wrote below because I cannot say enough about the good that came out of you selling Jo the policy in the first place - "the figures are the best news I've had in a long time.  That policy of Jo's has been a real blessing.  You thoroughly deserve everything good that will ever happen to you."

She focuses on what success is for that person - it is different for different people and she helps me to define and stay true to my own definition of success.

Cyndy and Mark Kehoe - Turangi and Fielding

A quick email to say thanks so much for your help with Marks Trauma Insurance.  Its not a great way to get extra funds but it is really helpful to know that the money is there if we need it.

Everything went without a hitch especially when you see so much bad press about Insurance Companies. You were really helpful coming around home for the forms/signatures as Mark was not allowed to drive at the time. I wanted you to know we are both really thankful for the cover.  It was getting hard to pay the premiums, but so happy we kept it up even with reducing the cover to make premiums easier at the time. Thanks again

Questions about your KiwiSaver and Insurance under the Covid-19 environment?

Insurance policies All of the insurers that we work with and that our clients have insurance in place with (Life, Trauma, Income Protection/Mortgage Repayment and Health/Medical insurance) haveRead more

It is time in the market - NOT timing the market - the role of Finology in investing

It is tempting to stop making regular investments into markets when there is volatility and you hear the media pronouncing that the markets have 'crashed', 'plummeted', 'plunged', or even when theyRead more

Investment Markets and Recent Fluctuations

You will have heard comments in the media recently that the stock-markets have ‘had their worst day since the Global Financial Crisis in 2008’.  You may have noticed that your KiwiSaver andRead more

Warning to DIY investors investing in foreign investments

New Zealand is a nation of Do It Yourselfers.  From the queues at Mitre 10 and Bunnings, to people managing their own investments because they can do it better than a professional. Although we DIY Read more

Fast fashion and the impact on the environment

As our society becomes more socially aware, it is becoming clear that 'fast fashion' is a major contributor to not only landfill, but also as an intensive user of resources. As many of you will recaRead more

Building or Renovation insurance - who is responsible?

Is it you or is it me? Who covers what when it comes to renovating or building? Is it the Owner or the Builder? This is a question that is often raised late in the piece when considering buildingRead more

Airbnb Tax Crackdown

The shared use economy has seen a plethora of homes turned into Airbnb’s and of vehicles turned into ‘uber’ taxis.  While this has changed the way that many people travel, a number of the owneRead more

Dart Throwing Monkeys - can they do better than active investment managers?

In December 2019, Kiwi Wealth released a research report analyzing the actual returns of tracking ‘passive’ investment funds, versus random ‘dart throwing monkeys’ versus ‘active’Read more

The Sky City Fire - who will pay the bill?

The Deconstruction of a Fire At 1:15pm, Tuesday 22nd October a fire broke out on the roof of the New Zealand International Convention Centre in Auckland. Close to 100  construction workers were onRead more

Rental income - new ring-fencing rules

The rules for reporting rental income have changed from the 2019-2020 income year.  This means that you can’t offset losses on your rental properties against other income and new rules apply toRead more

Enduring Power of Attorney - why you need to put them in place

These documents are often associated with ‘old’ people, who are losing their mental capacity.  And yes, we agree, having Enduring Powers of Attorney in place are very important at that stage ofRead more

Using an adviser adds more than 5% to a client's portfolio

Research recently carried out in New Zealand by Russell Investments, recently confirmed the findings in the USA and Australia, that using an adviser can add 5.2% pa to a clients portfolio returns.Read more
 

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