5 insurance facts to know before ringing in the New Year
We know your time is precious, especially as we count down to Christmas! But it’s well worth grabbing a cuppa for this quick read. Our Plus4 team are giving you a quick recap of some of the most useful pieces of insurance advice we’ve blogged about over the year.
Tip 1 – Getting started with writing a will
Writing a will is something that we all intend to do – but then the busyness of life often gets in the way. Get started with ease with our helpful guide. Having a will (and updating it regularly) will ensure your family and whānau can follow your wishes, without unnecessary delay and legal complications.
Tip 2 – Insurance and Covid
Insurance helps offer financial protection for you, and the ones you love – along with removing the financial burden when accessing specialist care. While Covid has been nothing more than a minor cold for some, others have been left with long-term complications. Check that you’re adequately covered.
Tip 3 – Avoiding underinsurance
Underinsurance is a key issue for many Kiwis. Sadly, many of us aren’t aware we’re at risk until it’s claim time. Underinsurance is most common when it comes to ‘personal risk’ policies – particularly critical illness, income protection, and life insurance. Avoid a nasty surprise with a regular insurance review.
Tip 4 – Planning ahead pays off
Think your insurance costs will escalate as you age? Not necessarily! Opting for fixed premiums could be well worth considering. You’ll have greater certainty and potentially save a whopping amount of money over time. There is also the opportunity to use a combination of stepped and fixed premiums.
Tip 5 – Never be afraid to ask questions
Insurance can seem daunting – especially when it comes to working out which policies are right for you and understanding all that policy fine print. As expert insurance advisers, we’re here to make that process simple, easy and affordable.
Find answers to some of the most commonly asked questions. We’re here to help guide you in making the right choices for your insurance. Simply get in touch and you’ll quickly see why Plus4 clients are quick to recommend our services.
From all of us at Plus 4, may your holiday season be safe, happy and relaxing!