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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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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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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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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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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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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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.
Every year when the bills for their health, trauma and life insurance came around, Dona's husband would grumble at the cost and swear it would be the last year they’d pay before she would convince him otherwise. In 2016, she was glad they did.
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We might be small, but we’re still making a big difference to Kiwis affected by health issues. In the last financial year, we have helped our clients claim over $480,000 in medical insurance. This was part of the record-breaking $1.454 billion medical claims lodged from March 2017 to March 2018.
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Early detection is critical when it comes to fighting cancer, and regular cancer screenings play a crucial role. However, not all screenings are publicly funded and often subsidised screenings don’t kick in until a certain age, leaving everyone else wondering where they stand.
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