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Articles tagged with 'Income Protection'

New Partners Life products - hoping to find the middle ground

15 June 2021 - Partner's Life is looking to lead the way in the reinvention of income and trauma cover with the launch of two new products in areas deemed to be problematic for the industry.

Income protection: Lessons from over the ditch

13 October 2020 - Representatives of Swiss Re give New Zealand insurance sector advice on how to solve unsustainable income protection losses.

[GRTV] Depressing imbalances in IP market: Hutchinson

25 September 2020 - There are “distressing imbalances in the income protection market” says Russell Hutchinson, director of Chatswood Consulting. 

Should we be warning consumers about IP prices?

23 July 2020 - Russell Hutchinson suggests ways to preposition clients for IP premium increases and discusses the product's potential to keep claimants disabled longer. 

Partners Life market changes

16 July 2020 - Jon-Paul Hale with his critique of the Partners Life commentary and what to watch when considering replacement business.

Greens want ACC extended to cover sickness

7 July 2020 - A Green Party policy could mean less demand for income protection insurance from insurers.

Three big things that are forcing consumers to re-think

2 June 2020 - Russell Hutchinson on the drivers that are pushing people to seek advice.  

IP underwriting is complicated – improving, but complicated

27 May 2020 - The post-Covid IP world could remain complex for some time says Russell Hutchinson.

Partners Life responds to 'unprecedented environment'

24 March 2020 - Partners Life is making significant changes to enable it to be open for new business.

Cigna joins redundancy cover freeze

24 March 2020 - Cigna is joining Fidelity Life and Partners Life in putting a hold on new sales of redundancy cover.

Partners life changes may not be big enough

3 March 2020 - Partners Life’s changes to IP will not be the end of the matter if reinsurer expectations of the market are correct – and further changes are probably inevitable.

Putting the case for income protection

25 February 2020 - The concluding part of Jon-Paul Hale's IP series; reducing cover levels will increase pressure on the already strained public health system.

Health system not helping income protection claims

12 February 2020 - Jon-Paul Hale's third of four articles on income protection; recent critique of the length and motivation for IP claims and how public health and IP don't collide well.

Immigrants have differing view of income protection

3 February 2020 - In the second part of his series on income protection sustainability, Jon-Paul Hale says there is a cultural side to claims which is overlooked in research.

Scrutiny sows 'seeds of doubt'

23 January 2020 - Scrutiny of New Zealand's life insurance sector puts "seeds of doubt" into consumers' minds, the Financial Services Council says.

Income protection sustainable or just more noise?

22 January 2020 - The future of income protection insurance is likely to come under more scrutiny this year. In the first of a four-part series Jon-Paul Hale takes aim at some claims made by Partners Life.

David Whyte's 5 predictions for 2020

18 January 2020 - Last week Good Returns published five predictions for the year ahead. This week guest contributor David Whyte offers his five predictions for 2020.  As he says: "All of which will, of course, come to pass and be regarded as prophetic, insightful, and accurate. Or none of them will come to fruition and will have as much value as an Iranian Rial."

What SMEs think of life insurance advisers

25 September 2019 - Asteron Life has just released its annual survey of SMEs. Find out how life advisers compare to their business counterparts.

Insurers grapple with increasing genetic testing

12 November 2018 - A New Zealand insurer says there's merit in considering limiting the ability for insurance companies to take the results of genetic tests into account in underwriting up to certain sum assured thresholds.

Fraud pushes up policies' premiums

11 October 2018 - Dishonest claims are pushing up the cost of personal insurance.

Reasonableness on non-disclosure needed

30 July 2018 - New Zealand needs a “reasonableness test” in insurance law, to guide insurers when they are assessing cases of non-disclosure, the Insurance and Financial Services Ombudsman says.

Clients wait longer for income payouts

24 July 2018 - Cost pressures are prompting increasing number of clients to take longer wait periods on their income-protection cover.

Education clause 'used too expansively'

10 May 2018 - An insurance law expert is calling for insurers to accept that a clause allowing them to avoid payouts, based on a person's educational prospects, can only apply to training that happened in the past.

SME owners lack income protection

10 April 2018 - Asteron Life research has found only 17% of small and medium enterprise business owners and decision-makers (SMEs) have income protection insurance.

Priorities and ideals

21 November 2017 - One celebrated robo-advice site does nothing to help the customer decide which insurance to choose when the budget crunch has to be acknowledged.

Online offer 'more than quote and compare'

14 September 2017 - A new insurance advice firm is promising consumers a more in-depth online service.

Getting to Know: Peter Neilson

18 August 2017 - Peter Neilson was the chair of the Financial Services Council until insurers quit in revolt over a report into insurance commissions, and was the Associate Minister of Finance during the sharemarket crash. Here, he talks about why advisers should be more like surgeons.

Women left behind

7 July 2016 - Financial advisers are being urged to consider what they can do to get more women engaged with their financial futures.

Insurer reactions 'too slow'

27 June 2016 - An insurance software provider says New Zealand insurers take too long to get new products and pricing to market, and it is costing them money.

FSC launches income protection information

19 May 2016 - A new website promoting income protection insurance has been launched.

Sovereign holds on to market top spot

9 February 2016 - Most insurers grew their books in the December 2015 quarter, new data shows.

Insurance site set to launch

5 January 2016 - A new website designed to educate members of the public about personal insurance products is set to launch in the first quarter of this year.

FSC launches income protection campaign

18 November 2015 - The Financial Services Council is launching a new website, MindTheGap.co.nz, to promote income protection insurance to New Zealanders.

Spike in adviser complaints: FSCL

3 November 2015 - Complaints about insurance brokers to disputes resolution scheme Financial Services Complaints Ltd  (FSCL) have doubled over the past year.

FSC launches commission investigation

24 July 2015 - A “mini-Trowbridge Report” has been commissioned by the Financial Services Council, to investigate sales incentives in New Zealand’s personal insurance industry.

No screams and howls on IP, but some concerns

25 June 2015 - New Zealand hasn’t had the same problems with income protection claims as in Australia, but there is more companies can do to avoid potential problems, particularly around mental health claims.

Income Protection unsustainable and rule book rewritten

24 June 2015 - Reinsurer MunichRe says the current income protection market is unsustainable and it decided to throw away the old actuarial tables used and replace them with something new.

Outlook bright for award winner

19 June 2015 - Insurance advisers are in a privileged position and need to make their value proposition clear to clients, says the winner of this year's Insurance Adviser of the Year award.

Are we sicker or just savvier customers?

17 April 2015 - Do you think people today are sicker than they used to be just 50 years ago? If not, why are there more of them off work?

Watch out for the newly promoted income protection client

26 March 2015 - Russell Hutchinson provides an example of why the policy wording of some income protection products should be changed.

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Lender Flt 1yr 2yr 3yr
AIA 4.55 2.55 2.95 3.29
ANZ 4.44 3.10 3.50 3.84
ANZ Blueprint to Build 1.68 - - -
ANZ Special - 2.50 2.90 3.24
ASB Back My Build 1.79 - - -
ASB Bank 4.45 2.55 2.95 3.29
Basecorp Finance 5.49 - - -
Bluestone 3.49 3.34 2.99 3.34
BNZ - Classic - 2.55 2.95 3.25
BNZ - Mortgage One 5.15 - - -
BNZ - Rapid Repay 4.60 - - -
Lender Flt 1yr 2yr 3yr
BNZ - Std, FlyBuys 4.55 3.15 3.22 3.85
BNZ - TotalMoney 4.55 - - -
CFML Loans 4.95 - - -
China Construction Bank 4.49 4.70 4.80 4.95
China Construction Bank Special - 2.65 2.65 2.80
Credit Union Auckland 5.95 - - -
Credit Union Baywide 5.65 3.95 3.85 -
Credit Union South 5.65 3.95 3.85 -
First Credit Union Special 5.85 2.95 3.45 -
Heartland Bank - Online 1.95 1.85 2.35 2.45
Heretaunga Building Society 4.99 3.80 3.90 -
Lender Flt 1yr 2yr 3yr
HSBC Premier 4.49 2.19 2.45 2.69
HSBC Premier LVR > 80% - - - -
HSBC Special - 2.25 - -
ICBC 3.69 2.15 2.35 2.75
Kainga Ora 4.43 2.67 2.97 3.13
Kainga Ora - First Home Buyer Special - 2.25 - -
Kiwibank 3.75 3.34 3.34 4.14
Kiwibank - Offset 3.75 - - -
Kiwibank Special 3.75 2.49 2.49 3.29
Liberty 5.69 - - -
Nelson Building Society 4.95 2.99 3.24 -
Lender Flt 1yr 2yr 3yr
Pepper Essential 4.79 - - -
Resimac 3.39 2.98 2.79 3.29
SBS Bank 4.54 2.69 2.99 3.29
SBS Bank Special - 2.19 2.49 2.79
Select Home Loans 3.49 3.34 2.99 3.34
The Co-operative Bank - First Home Special - 2.29 - -
The Co-operative Bank - Owner Occ 4.40 2.49 2.89 3.19
The Co-operative Bank - Standard 4.40 2.99 3.39 3.69
TSB Bank 5.34 3.30 3.69 4.04
TSB Special 4.54 2.50 2.89 3.24
Wairarapa Building Society 4.99 3.55 3.49 -
Lender Flt 1yr 2yr 3yr
Westpac 4.59 3.15 3.49 3.89
Westpac - Offset 4.59 - - -
Westpac Special - 2.55 2.89 3.29
Median 4.54 2.68 2.99 3.29

Last updated: 19 July 2021 9:09am

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