How does insurance cover cancer?
How does insurance cover cancer? Faster access to healthcare on one side, and all-important financial support on the other. There are many options to choose from, and as we’ll see, an insurance adviser can help you understand how they relate to your needs and budget.
Here are some key things to know to get you started.
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How safe is your income?
If you think about it, your income is the foundation of your financial life: both your future goals and immediate needs depend on it. So, what would happen if you suddenly lost the ability to work and earn a living? How long would your emergency funds last for? And how would your family cope? This article explains how income cover works - when you can’t.
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Your life together: what’s covered and what’s not?
Are you and your partner planning a life together? The more your lives become intertwined, the more important it is to have open, honest, and often uncomfortable ‘money conversations.’
There’s a lot to discuss, and personal insurance – be it health, life, income protection or trauma insurance – is one of those topics. To get you started, here are some key things to know about insurance as a couple.
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Like to make your cover affordable in the long run?
Think of insurance affordability as a marathon. In a marathon, you don’t sprint all-out: you must sustain a pace to make it through. So, it’s crucial to ensure that your cover stays affordable for as long as you need it. But how, you may ask? It’s one of those cases where seeking advice is invaluable: an insurance adviser can help you understand your options and, maybe, even find out-of-the-box solutions. Starting with…
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Are you too young to get insurance?
It’s a question that insurance advisers hear often, and the answer is always the same: there’s no ‘right age’ to get personal insurance. Whether you need insurance or not depends on your needs today, and your goals for the future.
Before you put insurance in the ‘do later’ basket, now can be a good time to step back and look at the bigger picture. So, here are some good reasons to consider getting cover when you’re young.
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First-home buyer? Why personal insurance is a good idea
Ready to start your home ownership journey? Congratulations – you’ve worked hard to get on the property ladder, and now you can finally start creating memories in your new home.
But as you know, buying property is also a long-term financial commitment, one that’s worth protecting from as many angles as possible. So here are some key things to think about.
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One way to afford non-Pharmac funded treatments
Health insurance is designed to help Kiwis fill in the gaps, with some policies even providing cover for non-Pharmac funded medications. So, what is Pharmac and how can health cover benefit you? Read on for some key things to know.
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Why work with an insurance adviser?
So, what’s the value of ‘human’ advice, when you can do your own research and take out insurance online? It’s a good question – and we have a good answer to it.
Here are six reasons to make an insurance adviser part of your financial support team.
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Why life insurance isn’t just for the breadwinners
According to insurance advisers, it’s a common misconception that only the breadwinners need life cover. But, even if stay-at-home parents don’t earn an income, they still contribute to the household in many ways – with their time and work. Here’s why life insurance for non-breadwinners is worth considering.
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With ACC and public healthcare, is health insurance worth it?
As good as our healthcare system is, it also has its limits. And this is where health insurance can step in. Not sure how it all works? Read on to find out.
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Four steps to a smooth insurance claim
Claim time – with so many things to focus on, it can be a stressful time for anyone. And it’s also one of those times when having an insurance adviser in your corner can make a huge difference.
If you’d like to make your insurance claim hassle-free, there are some steps that you can take during your insurance journey.
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You're young, you don't need health insurance - or do you?
There are good reasons to consider health insurance at any age. Even when you’re young and healthy. In fact, especially when you’re young and healthy.
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Mortgage-free retirement and your insurance needs
So, you’ve paid off your mortgage and are ready to enjoy your golden years debt-free? That’s a fantastic achievement – you can stop and smell the roses, with greater cashflow and the security of a house you own outright. And as you celebrate this milestone, now can also be a great time to review your insurance plans. Here’s why.
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What insurance may you need?
Thinking about protecting your financial future, but don’t know where to start?
With so many providers and solutions available, choosing the right insurance and the right amount for your needs can seem like a daunting task. So, here are some pointers to get you started on the right foot.
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Life Insurance: How much is too much (or too little)?
Good question, and there’s no one answer to it – it entirely depends on your needs.
Here are some tips to help you secure (and maintain) the right level of protection. Not too much, not too little: just right.
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Welcoming a little one? Make room for insurance
If insurance hasn’t been a priority in the past – now’s a good time to start exploring your options with an insurance adviser - because with little feet comes big responsibility!
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What about skin cancer and insurance - what do I need to know?
Skin cancer is the most common form of cancer in NZ and Australia - look at these statistics. Check out this short video - could this be you?
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Product Commission – Is it Justified?
Should you be concerned about commission when arranging your insurance?
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What now getting insurance as I have just been diagnosed with Prostate Cancer
Receiving a diagnosis of Prostate Cancer can be daunting and can happen to any male; in fact, it can be as high as 1 in 7.
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Is it too late to get insurance if I've been diagnosed with Cervical Cancer?
Although most cases of cervical cancer are diagnosed in women under the age of 50, some cases have been in those younger than 20, even though very rare.
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