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how to write a will

5 things to think about when writing your will

While everyone knows it is important to have a will, it can be hard to know where to start. Having an up-to-date will makes everything easier for your loved ones and means your assets and taonga are distributed as you

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Understanding disclosure for insurance

Understanding intentional and unintentional disclosure

Every industry has its jargon, and insurance isn’t any different! One of the key terms to know and understand in our industry is disclosure. What is it, how does it work, and what happens if you make a mistake? What

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Keeping your insurance cover in financially unsettled times

Many New Zealanders are suddenly finding themselves worried about their finances and in these uncertain times cutting costs can make a lot of sense. While it is not a good time to cancel insurance, there are some things you can

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What-happens-to-debt-when-you-die

What happens to debt when you die?

When you take on a mortgage, use your credit card or get a new vehicle on finance, you know it is important that you can make the required payments and keep on top of your debt. However, people don’t tend

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Keeping you and your family safe over summer

When summer kicks off in New Zealand, so does the DIY and outdoor life that is an ingrained part of Kiwi culture. Having the right levels of health insurance, income insurance and life insurance is an important part of caring

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insurance choice saves business

Savvy insurance choice saves business

As an active, fit and healthy man is his 50s, James* didn’t expect a major health scare, so when he got a small cut on his finger, he didn’t think much of it. The cut didn’t heal as expected, and

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Smooth out premium payments with a level term policy

With the low interest rates currently available, you may find yourself with a little something extra in your budget. To get the most out of it, this could be the perfect time to consider getting a level term cover policy

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have important discussions to prepare for the future

Let’s get uncomfortable

The ‘she’ll be right’ attitude is an interesting quirk of New Zealand’s culture, and is rightly celebrated. Just getting on with it, not getting too worked up, and believing everything will work itself out are great traits, but like all

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Prepare for your meeting with an adviser

Meeting an adviser? How to get the most out of your meeting

When you work with an adviser to get the right insurance in place, we want it to be as easy and accessible as possible. This might mean we come to your place after hours, or that you come to our

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When should you change your insurance

When life changes, make sure your insurance does too!

Change is the only constant in life, and as we move through life events and milestones we adjust and keep moving forward. But have you given any thought as to how changes in your life impact your insurance covers, and

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What should you do when income protection premiums rise?

With the nature of insurance underwriting and risk trends, as you get older your insurance premiums will rise. This is as true for income protection as any other type of insurance, but has the added complication of the cover  automatically

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Insurance for spouse

Is insurance only for those in paid work?

Does someone not earning an income need personal insurance cover? We believe they do. Your ability to earn an income is your greatest asset, and as such should be well insured. However, in certain of periods of life there may

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How to get your insurance claim paid

At a conference in February Nadine Tereora, the CEO of Fidelity Life, stated that their claims rating was 99.8%. All the insurance providers Plus4 work with have claims ratings of over 95%, which illustrates very clearly that insurance providers are

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Do children need health insurance?

With GP visits free to children under 14 years old, getting medical cover for your healthy, active children may seem unnecessary. We think it is worth considering, and there are a number of reasons why. In our previous blog on

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Do you need health insurance?

“Do something today that your future self will thank you for.” Whether or not you are a fan of bite-sized wisdom, this is a great point from which to discuss health insurance. In New Zealand we are lucky to have

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Why you need trauma cover

Trauma protection is an important part of your insurance coverage, but we often find it is poorly understood by clients. Trauma protection is a personal cover providing a lump sum payment in the event of a diagnosis of certain illnesses

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What is ACC Cover Plus? And ACC Cover Plus Extra?

In New Zealand we are lucky to have ACC, which provides us all with no-fault comprehensive injury cover no matter where you are when you are injured. ACC covers most physical injuries if they are caused by an accident, a

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How special events increases protect your future insurability

We all know the only constant is change. However, come claim time you need to be reassured that your cover will be sufficient for your current circumstances. It isn’t practical to set up your original cover for future events –

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Trauma Cover – the best safety net

When we meet with clients we work to help them understand scenarios where they would use the different insurance covers. When everything is going well it can be hard to imagine life any other way. We spoke to a Plus4

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Have you thought about the future when insuring your business?

When you set up your business insurance, the focus can be on the here and now – how many employees you have and their level of skill, the business income, level of debt and so on. However, thinking about the

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Getting the most from your income protection

Income protection insurance is one of the most important insurance covers you can have. As we have said before, your ability to earn an income is your greatest asset. Many income protection policies also come with add-ons. These vary between

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Does your health insurance cover cancer

How well does your medical insurance cover cancer?

Cancer is a scary diagnosis and it is important to have an accurate understanding of the role health insurance can play in access to different treatments. The cost of cancer treatment can be high, and not all the medications that

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What is Total and Permanent Disability cover and how does it work?

Total and Permanent Disability (TPD) Cover is an easy one to explain, because it offers you just that – insurance cover should you become totally and permanently disabled. There is some nuance to how it works, so let’s take a

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What is an enduring power of attorney – and why do you need it?

Getting life insurance, trauma cover, total and permanent disability cover, and creating a will are great first steps in your estate planning. The next, and more often overlooked step, is to create an enduring power of attorney (EPA). In New

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life insurance nz

Protecting your most valuable asset

Ask people what their most valuable asset is and they will likely tell you it is their home. And should you probe further you will find they probably have their home well insured. Great! Chances are they will have life

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6 Insurance Myths – Busted!

Like any industry, there are some persistent myths and misunderstandings around insurance. We are absolutely passionate about what we offer as advisers, and the products that we select for our clients, so we’d like to clear up some common misconceptions.

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Health: The importance of your relationship with your GP

Having a GP (general practitioner) you have a good relationship with is a vital part of your healthcare plan. While having health insurance in place is important, if you become unwell your GP will be your first point of call

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What is Key Person Insurance?

If you are a small business owner, you need to think about Key Person Insurance. In fact, it may well be a better and more useful insurance option for you than income protection insurance. Key Person Insurance is ideal for

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Plus4 Claims Advocacy team

Do you know about our Claims Advocacy Team?

When you get your life insurance, trauma cover, income protection insurance or health insurance though a Plus4 adviser, you automatically have access to the Plus4 Claims Advocacy Team. This is a great benefit, let us explain why. If we believe

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Do you need life insurance

Do you need life insurance? And how much?

Helping our clients with life insurance is a key part of what we do here at Plus4. It’s an important topic, so we’ve answered some of the most common questions people ask us. Do I need life insurance? What sets

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