Small business protection – protecting those who matter
Every year the number of small businesses operating in New Zealand grows. Small businesses are not simply large businesses in their infancy – each one is distinct and plays a separate role in our economy. Most small businesses make a unique contribution to the New Zealand market and to the local and regional communities where they are based.
Financial security for employees of small businesses is important as no one knows what is around the corner and when life might take an unexpected turn for the worse. It's also a known fact that serious health traumas are affecting more and more New Zealanders every year. With this as a backdrop, it's worth asking: how would an employee of a small business cope if they were to suffer a major illness, injury or a trauma and were unable to work for a length of time? How would those who depend on the employee's salary cope without a regular source of income?
As the economy improves, small business employers will increasingly search for ways to retain their skilled employees amidst reinvigorated competition...MORE»
Legislation: freedom of choiceMonday, June 28th, 5:26AM
What a difference a week makes, or does it? So now, after another round of extensive proposed changes to the Financial Advisers Act, we find ourselves trying to absorb the implications. MORE» |
Why join AdviceFirst?Sunday, May 30th, 10:33AM
AdviceFirst puts its advisers first: with a great reputation for expertise, full admin back up and a rewarding environment for Advisers who give clients outstanding service. Impressive stuff for a company that’s existed only two short years, and began life in a storm! MORE» |
Life, Death and Taxes - three good reasons to consider Life insurance
I have written about the advantages of level term over yearly reviewable term life insurance in a past article. We have had many conversations with advisers since about how the tax changes are likely to increase premiums. Level term insurance is very topical for advisers lately and it seems timely to revisit this again, looking at it from a tax angle in particular.
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It pays to get it right from the start
Withholding information is the single most common cause of life insurance claims being rejected by insurance companies. The chances of this unfortunate issue arising can be reduced if time is taken to explain to clients how important it is to disclose everything about their medical history or lifestyle choices, no matter how irrelevant it may seem.
MORE»Workplace insurance – protecting the workers
The rapidly changing environment of today's business world presents many opportunities for success. One of the main ingredients in this success is staff. Attracting the right people is essential for any business and providing security and stability for them and their families helps create loyalty and productivity.
MORE»Trauma insurance – life insurance for the living
Trauma or critical illness cover is one of the life insurance industry's best kept secrets. That's because it is insurance for the living and pays cash so if the insured person suffers a serious illness or injury covered by the policy they can carry on with their life. In this article we look at the origins of the insurance and how beneficial it can be to the financial survival of your clients.
MORE»Income Protection – your pay-packet when you can’t earn one
When you work for yourself or contract to someone else and can’t work as a result of an illness or injury, your income can cease very promptly.
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