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Insurance is something that is never at the top of one's mind
- which is why when the time comes to buy insurance, frequently we do not know what is best for ourselves.
Finding the correct insurance for you is often the most difficult part. Life insurance maybe the first thing you consider - but what about term life insurance? Income protection insurance? Trauma cover insurance? There are many products with many benefits and many plans written with confusing jargon that can be hard to digest in one sitting.
We are all at different stages in our lives and not every product is suitable for everyone.
In the end, what most people want is to find an insurance product that matches their individual situation - without having to do all the research to find out which insurance product is right for them.
This is where InsuranceNet can help. InsuranceNet is a group of professional insurance advisers who are specifically trained to identify your needs and provide you with a range of options that would best suit your unique situation AND budget.
The first step is to Click Here to find your local InsuranceNet adviser. We'll make sure we take care of all the hassle of finding the right insurance products to suit your situation, without selling you anything that you do not need, for the best price possible!
Latest Episode of Claims in Action
October 2009: Episode 1 - "Are you covered if you go overseas?"
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Latest News
Monday, 5 July 2010
What’s a financial risk analysis? Your independent financial adviser can talk you through a financial risk analysis, to help you identify where the risks are associated with your lifestyle and financial position.
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Monday, 21 June 2010
You just never know when the unexpected will strike. Dave* and Anne* had a full financial needs analysis conducted with their financial adviser at the beginning of June. The analysis highlighted that although they were doing extremely well financially, with both earning excellent salaries and their home nearly paid off, their financial plan would be derailed if they were unable to work or suffered a major event.
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Monday, 7 June 2010
The collapse of a number of New Zealand finance companies generated a great amount of nervesness. A large number of mum and dad investers put their money with one or more of these companies that went out of business over the past 24 months.
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Wednesday, 26 May 2010
Your ability to earn an income is your most important asset – if disability prevents you from working you need to protect your earning power to meet your commitments and achieve your goals. This policy is a flexible IncomeProtection plan with a range of features and additional options to allow you to customise the product to suit your individual requirements.
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Tuesday, 18 May 2010
It's important to remember that leading an active lifestyle in later years can have excellent health benefits. However the danger is that if you suffer a traumatic condition as a result of a dangerous persuit, you may not be covered by your insurance cover. It is always wise to speak with your independent insurance advisor to check that you have the right cover for you.
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Friday, 23 April 2010
Imagine you could choose to fix the price you pay for petrol at $2.00 a litre for the next 30 years. It would cost you a bit more at the beginning, but eventually you should be paying less than the market rate. Sounds like a good idea, doesn’t it? Well, you can choose to do something similar with your insurance.
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Friday, 16 April 2010
Many people visit a financial adviser with an air of trepidation. Factors like cost of the consultation and the cost of the recommendations that will be made, make visiting a financial adviser comparable with a dental appointment.
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Thursday, 25 February 2010
Do you have a financial game plan? Not many professional sports teams go into a game without some sort of game plan. The game plan generally consists of ways to improve your team's advantages and decrease any disadvantages. You can do the same thing for your finances.Generally speaking the financial risks in life are..
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Friday, 12 February 2010
Benefits of Life Care come when needed the most. About three years ago, Lorraine* (who’s now in her mid 60s), found out she had colon cancer. Fortunately, her Life Care policy with Fidelity Life paid out a lump-sum payment as a result.
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Friday, 22 January 2010
Doctors quick to take up new medical service. Source: www.scoop.co.nz A new New Zealand-developed service that radically saves doctors’ time in responding to insurer requests is being rapidly adopted, with more than 250 general practices signing on to use it in its first two months.
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Tuesday, 12 January 2010
The 2 most commonly asked questions about income protection are who needs it? and what does it do? To begin, one should consider the obvious which is that anyone who needs to earn an income to survive could use income protection cover to protect themselves. A key question to ask when considering whether you need it or not is...
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Wednesday, 9 December 2009
Most people would agree that heart surgeons seem to make more than the average wage. One may argue that unique and highly specialised skills should be well rewarded. However it seems that they have also thought about protecting it - and keeping wealth is an essential part of financial planning.
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Tuesday, 1 December 2009
…you no doubt have probably asked yourself “Am I better to save (invest) or repay the mortgage?” The correct answer is “it depends”. The key factors are your income and debt level, amount of cash reserves, the interest rate you are getting on your investments or savings, the interest rate you are paying on your debt, and the inflation rate.
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Friday, 20 November 2009
One of the greatest challenges for investors is finding investments that have a level of risk they are comfortable with. Given the choice most people seem to prefer the return OF their capital, rather than a return ON their capital. One could say they want “no risk” investments, and this presents a dilemma because there is really no such thing as a no-risk investment.
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Monday, 16 November 2009
Insurance is a basic component of everybody’s financial planning - even those who don’t think they are planning. But why? What’s the point? Insurance in any form is about 'risk transference'. When you consider your personal risks, what would be the personal impact of losing your assets?
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Tuesday, 10 November 2009
Where there is a Will, there is a way…of having your say. The number one objective for saving and investing is usually to ensure there is a degree of security or personal choices available later in life. Once you have what you need though, the emphasis then shifts to keeping it. Finally, thoughts turn to what to do with what’s left at the end of it all. This part of the thinking process is generally referred to as “estate planning”.
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Tuesday, 3 November 2009
People used to run a mile when I told them I sold insurance. That was 23 years ago when I was starting out in my career, and I’m pleased to say the stigma attached to the industry has changed dramatically since. While the strong Kiwi DIY mentality used to see us favour making our own financial decisions, greater complexity and choice in financial products means that more than half of us now seek out expert advice.
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Friday, 30 October 2009
What can you tell by looking at your nails? What do the different blemishes, marks and irregularities tell us? Your nails have a way of indicating when you have a health condition. Most of the time marks and blemishes on your nails do not mean anything, but sometimes your nails can reveal something more serious.
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Thursday, 29 October 2009
The immediate impact of strokes can be overwhelming personal catastrophe for those who suffer them. People with a stroke have to suddenly cope with physical, psychological, emotional, social and financial consequences. Usually a stroke happens because of a combination of factors.
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Wednesday, 21 October 2009
While there is a wide range of investment options available, there are two main ways you can invest your money - you can invest directly (for example in shares or property) or you can invest through a managed fund. This article examines why one would choose to invest through a managed fund.
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Monday, 19 October 2009
In 2005, Rebecca Smith* and her partner were excitedly building their dream property on the out skirts of Christchurch. With a substantial mortgage and limited savings, Rebecca and her partner never thought that they would be in a position where one of them would not be able to contribute to the mortgage due to illness.
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Friday, 9 October 2009
Congratulations - you are going to live longer! Stats confirm that 65-year old man can now expect to live until age 81 now, and a 65-year old woman until they are aged 84. According to the Retirement Commissioner this means that people need to find the money to live on for as many as 20 years after they have finished working.
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