What Extra Benefits Could Be Hiding in Your Life Insurance?
What Extra Benefits Could Be Hiding in Your Life Insurance? Most people can tell you the main number on their life insurance policy. “$500,000.” “$750,000.” “$1 million.” Far fewer could tell you what else sits inside the policy. Life insurance is primarily designed to provide financial support following death or, depending on the product, terminal […]
How Halo Uncovered More Than Fifty-Six Thousand in Benefits From Insurance the Client Already Had
How Halo Uncovered More Than Fifty-Six Thousand in Benefits From Insurance the Client Already Had A client came to Halo Advisers wanting to talk about medical insurance. He left the review process having uncovered $56,489.90 in insurance benefits from policies he already owned. The surprising part? The event that triggered those claims had happened approximately […]
Do Insurance Companies Actually Pay Claims?
Do Insurance Companies Actually Pay Claims? Yes. Insurance companies pay a significant amount in claims every year. In the year to September 2025, Financial Services Council figures show $1.368 billion in life insurance claims and $2.545 billion in health insurance claims were paid in New Zealand. Fidelity Life separately reported paying $247.7 million in claims […]
Why Is Your Insurance More Expensive Than Your Friend’s?
Why Is Your Insurance More Expensive Than Your Friend’s? You are both 38. You both have a mortgage, kids and life insurance. Your friend casually mentions what they pay each month and suddenly you’re thinking: Why am I paying so much more? It is a fair question. The answer is that insurers are not pricing […]
How Life Insurance Can Help Protect Your Children’s Future
How Life Insurance Can Help Protect Your Children’s Future When you have children, your financial decisions start to look a little different. The mortgage is no longer just a mortgage. Your income is paying for school shoes, groceries, sports fees, birthdays, childcare and all the ordinary things that make up family life. Most parents naturally […]
Who Should Own Your Life Insurance Policy?
Who Should Own Your Life Insurance Policy? You might know how much life insurance you have. You probably know what you pay each month. But do you know whose name the policy is actually in? Policy ownership is one of those details that can be easy to overlook when insurance is first arranged. Yet it […]
Why Medical Insurance Is Worth Considering
Why Medical Insurance Is Worth Considering None of us expects to become seriously unwell, but illness can affect anyone at any time. When health concerns arise, having timely access to treatment can make a meaningful difference. Medical insurance can help provide more choice over when and where you receive eligible treatment, while reducing the financial […]
Why Life Insurance Matters for Your Family
Why Life Insurance Matters for Your Family Life can change unexpectedly. While no one likes to think about what would happen if they were no longer there, planning ahead can help protect the people who depend on them financially. Life insurance is designed to provide a lump-sum payment if the insured person passes away or, […]
Why Protecting Your Income Is So Important
Why Protecting Your Income Is So Important Your income supports almost every part of your everyday life. It helps pay your mortgage or rent, household bills, groceries, transport costs, your children’s needs and the lifestyle you have worked hard to build. But what would happen if an illness or injury meant you could no longer […]
What Is Trauma Insurance and Do You Need It?
What Is Trauma Insurance and Do You Need It? Most people insure their home, their car, and even their phone, but many overlook one of their biggest financial risks: a serious illness or injury. A diagnosis such as cancer, a heart attack, or a stroke can affect far more than your health. It can interrupt […]