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5 reasons to fix your trauma insurance premiums

Fixed (AKA level) premiums are more common for life insurance policies, but many providers also offer them for trauma. If you’re reassessing your trauma cover, here are five reasons why you should consider a fixed premium policy.

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Keeping your life insurance affordable: stepped vs. fixed premiums

As far as life insurances go, the type of premiums most Kiwis are familiar with is the stepped, “rate for age” premium that increases as you get older. While stepped insurance premiums start off affordable, especially if you start them in your 30s (or even earlier), their rates soon begin to creep up, gradually becoming expensive to maintain. But what if there was another way?

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Trauma cover vs. health insurance: what’s the difference?

On the surface, trauma insurance and medical insurance might sound like they tick the same boxes, but in reality, they are quite different—and each one is critical to providing care and financial assistance when you fall ill.

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Does cardiovascular fitness really increase your life expectancy?

The short answer: yes. A recent study found that cardiovascular (aerobic) fitness reduces all-cause mortality in patients between the ages of 50 to 70. Its message is clear: cardio fitness matters. But how fit do we need to be to make a difference?

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4 trends that are shaping life insurance in New Zealand

According to research from Perceptive, only 54 percent of Kiwis have life insurance. Probe further, and we discovered that New Zealand has one of the lowest uptakes on insurance cover of all OECD countries. So why do Kiwis seem reluctant to take out a policy?

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5 reasons to buy life and trauma insurance for your children (16+)

On the fence about whether to buy life and trauma insurance for your children? Here are five reasons why getting in early can pay dividends later.

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Trauma insurance does pay­–just look at these claim payout statistics.

Cancer, heart disease, strokes and road accidents: these are the four main causes of death in New Zealand. Every day, 63 people are diagnosed with cancer and 24 suffer from a stroke. Every 90 minutes, a Kiwi dies from heart disease. In 2016 alone, there were 328 deaths on our roads.

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SMEs aren’t immune: a lesson in cyber security insurance

When hackers are capable of stealing from a company without even stepping foot on the premises, it’s understandable why so many are taking cyber threats more seriously.

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The top 7 cyber security risks for businesses in New Zealand

The number of cyber attacks has boomed in New Zealand. In Q1 of 2018 alone, there was a 34 per cent increase in incidents from the end of 2017. The victims? It’s not just limited to individuals; small business is the target of 43 per cent of cybercrime. To stay secure, here are the greatest cyber threats business owners need to consider when setting up their security measures.

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6 checks to avoid a cookie cutter cyber crime insurance policy

Cyber crime insurance is still an emerging field of insurance. With many providers still coming to terms with the risks and costs involved, it is important to do your due diligence to ensure their policies will meet your needs.

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