General

If you’re wondering how your monthly premium can be less than your phone bill, but cover you for more than the cost of a brand-new car, you’re not the only one. This is because of a clever concept called ‘risk pooling’.  What is ‘risk pooling’? Risk pooling’s history goes back millennia. Over 5,000 years ago, shippers […]

In this busy world, everyone wants to make the most of their time and effort, but at one place we always feel behind, when we opt for advisory service. And the problem got compounded when we lost all the great questions and concerns to be raised with advisers when needed so that we can get

How did you choose your Kiwisaver provider? This short video might help you decide: Give us a call on 0211 835 835 or email  shak@haloadvisers.co.nz  to find out more.

Did you know that you can reduce your ACC and SME Levies, not your protection, and use these savings to cover yourself for illness and accident? So, how does this work? ACC levies cover 80% of pre-accident income, with no cover for loss of income due to illness. However, by reducing your ACC cover to

Like other aspects of your financial well-being, you don’t want to take a “set it and forget it” approach to your life insurance policy. Because life insurance is a safety net for your family and finances, it needs to match your family and financial circumstances to be effective. The amount of cover you need changes

Something we get asked quite often when it comes to insurance: Why do my premiums increase? Here is an article directly from an insurance provider which may provide some insight. Why do you get life insurance premium increases?

Story on Stuff about a woman who had to fund Cetuximab herself and whilst her cancer isn’t in remission it isn’t growing and she is feeling better than ever. She raised $62k – $25k for the drug and $35k to have 12 rounds of Cetuximab administered in a private clinic. As if that wasn’t bad

Income insurance protects your most important asset
While none of us want to think about suffering an illness or injury, every week thousands of New Zealanders find themselves in that exact situation.

Firstly, congratulations if you have insured yourself and/or your family by purchasing Life insurance. It is indeed an important aspect of offering protection to your family and your assets should the unthinkable happen. You would have no doubt seen there are many providers or insurance companies including banks who offer Life insurance. Whether you have

Lets admit it, at some point it has crossed our minds having paid your insurance premiums for so many months and years we have asked ourselves, how much do insurance companies pay in claims? Or how many times have we “heard” statements that insurance companies don’t pay claims? What are these statements based on? Facts,