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Articles tagged with 'insurance'

More than fair “wear and tear”

12 November 2019 - Proving tenant liability for damage has long been a major worry for landlords but a recent Tenancy Tribunal shows that it can be done.

Reserve Bank points to insurer solvency review

5 November 2019 - The Reserve Bank is flagging the potential for insurers to be required to hold more capital.

Profit drop for nib

30 October 2019 - Nib says growth in the number of policyholders helped propel its revenue up 8.8% to A$215.5 million in the most recent financial year, although it’s been a tough market to operate in.

Support for advisers 'vital'

30 October 2019 - It will be important to support financial advisers into the new regulatory regime to ensure that New Zealanders’ access to independent advice is maintained, says Fidelity Life’s chief distribution officer, Adrian Riminton.

What is the advice risk?

21 October 2019 - You could be forgiven for keeping your head down, servicing clients and paying the bills. And frankly, we all need to be doing that.

Insurers won't be responsible for advisers 'at this point in time'

2 October 2019 - A new conduct regime will include "future-proofing" in case financial advice providers do not conduct themselves properly.

Govt not throwing baby out with bathwater: Ballantyne

25 September 2019 - Government moves to introduce conduct licensing for insurers are being welcomed as proof it's taking a sensible approach to reform.

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.

Fidelity Life gets tick

22 September 2019 - Fidelity Life has been awarded the Accessibility Tick.

Insurer response 'not good enough'

17 September 2019 - Commerce Minister Kris Faafoi says insurers are "passing the buck" to advisers.

The growing but slowing market for insurance

16 September 2019 - This market is a good one, and I am a perennial optimist for both financial services in general and insurance financial advice in particular.

Kiwis face 'trade-off' buying insurance

11 September 2019 - New Zealanders face an unintended risk trade-off when they assess the value of insurance, new research from the Financial Services Council shows.

The willful ignorance of a miopic point of view

10 September 2019 - Sounds angry and somewhat is. It comes from constantly being told that commission-based sales people, especially life insurance advisers, are bottom-feeding scum of the earth.

More work needs to be done on policy ownership

30 August 2019 - Getting the ownership of life insurance policies right is critical; but one bank has no idea,  Jon-Paul Hale says.

COMMENT: The dangers of neglecting code compliance certificates

28 August 2019 - It’s a legal requirement for commercial buildings to have a Code Compliance Certificate yet many don’t. Building compliance expert Rosie Kilip explains why this is not a good thing...

Faafoi says some commissions will be banned

25 August 2019 - Commerce Minister Kris Faafoi tells advisers there won't be a ban on commissions, but some will go. 

nib aims to make advisers' lives easier with online tool

16 August 2019 - Health insurer nib aims to get the majority of policies issued in real time by the end of the year.

Tenants need to know about insurance

7 August 2019 - Take note landlords – if you are worried about liability for tenant damage, the time to talk to your tenants about insurance is now.

Dealer groups face future without overrides

7 August 2019 - Some dealer groups may have to rethink their value proposition as product providers move away from volume-based commission structures.

Fidelity Life updates pricing

1 August 2019 - Fidelity Life has announced updates to its pricing which aim to make its products more competitive.

How junk is junk insurance and why should you care?

1 August 2019 - Recent articles headed “junk insurance” could be seen as the broad brush of journalism splattering tar on all insurance. Could we instead treat it as an opportunity to talk about quality? 

AIA and Sovereign products merged into one

29 July 2019 - A year after AIA and Sovereign came together the newly merged company has released a new product suite and its much-anticipated Vitality product.

New tenant damage, meth measures are only partial solutions

26 July 2019 - Changes to the legislation around tenant damage and meth contamination have been years in the making but now they are finally here are they any good for landlords?

Coon brothers insurance start-up gets big funding boost

26 July 2019 - The sons of Sovereign founder Chris Coon have completed a $2 million financing round for their insurance start-up.

Tenants liable for careless damage – to a point

25 July 2019 - Tenants will now have to take some responsibility for careless damage to rental properties after the Residential Tenancies Amendment Bill (No. 2) passed its final reading in Parliament on Wednesday.

Proposals would disrupt business models: Faafoi

16 July 2019 - Commerce Minister Kris Faafoi has acknowledged that the insurance sector could find recommendations for industry change, contained in recent options papers, confronting.

Urgent building law reform needed - Goff

17 June 2019 - Problems with building law have long been rife. Now Auckland’s Mayor is calling for radical reform of the Building Act and Code to deal with the housing crisis.

FADC hands down its punishment in non-disclosure case

16 May 2019 - A financial adviser who breached the Code of Conduct by skimping on client medical histories in insurance applications has learnt the fate. 

IAG boosts premiums to reflect risks

30 April 2019 - New Zealand’s largest general insurer will be taking more account of risk in its premiums and that means customers in disaster-prone areas will face bigger costs.

Advisers' incentives in Govt sights

27 April 2019 - The Government wants a ban on soft commission and for advisers' remuneration structures to be designed with customer outcomes in mind.

The market for adviser businesses

9 April 2019 - Strong buyer interest in adviser business in general, and specifically life insurance client bases, has been a growing feature of our market segment for the last twenty years.

The Big Read: FMA goes after adviser for alleged non-disclosure

26 March 2019 - Questions about what the professional responsibilities of advisers in a consumer protection regime are lie at the heart of the Financial Advisory Disciplinary Council (FADC)’s first non-disclosure case.

A question of culture

11 March 2019 - The problems of breaking out of a current worldview were exemplified in a series of comments on a Good Returns article recently. Two industry stalwarts had proposed a new approach to commission.

Rough start to the year

18 February 2019 - We've had a reasonably rough start to the year with reporting and political tub-thumping. Between the Reserve Bank report, the Australian Royal Commission report, and the governments on both side of the Tasman, it's fair to say Financial Services has had a rough time.

Insurance conduct report shows lack of understanding: Adviser

4 February 2019 - We have a report from the Reserve Bank about the insurance industry, and it's pretty rough, but it's misguided. Adviser Jon-Paul Hale explains why.

Industry ready for regulators' insurance report

17 January 2019 - A Financial Markets Authority and Reserve Bank report into life insurers’ conduct is due at the end of this month – and insurers are bracing for a tougher line than was taken with banks.

Clients complain: Adviser should have told us to obtain notes

20 December 2018 - A client's complaint that their insurance adviser or insurance company should have told them to request their medical notes when they took out a policy has been dismissed by the Insurance and Financial Services Ombudsman.

Monitoring rental home quality

19 December 2018 - Landlords concerned about whether or not their rental properties qualify as “healthy homes” can now look to new high-tech monitoring tool for help.

Climate change insurance threat

30 November 2018 - Sceptical about climate change? If you own coastal property it would pay not to be, both the Reserve Bank and the Insurance Council are warning.

Insurance essentials

19 November 2018 - Too often investors do a quick once-over on the insurance front. But when it comes to commercial property that’s a mistake – instead it’s worth getting to grips with the fundamentals.

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Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
ANZ 5.19 4.05 3.95 4.49
ANZ Special - 3.55 3.45 3.99
ASB Bank 5.20 4.05 3.95 4.39
ASB Bank Special - 3.55 3.45 3.89
BNZ - Classic - 3.55 3.45 3.99
BNZ - Mortgage One 5.90 - - -
BNZ - Rapid Repay 5.35 - - -
BNZ - Std, FlyBuys 5.30 4.45 4.35 4.55
BNZ - TotalMoney 5.30 - - -
China Construction Bank 5.50 4.70 4.80 4.95
China Construction Bank Special - 3.19 3.19 3.19
Lender Flt 1yr 2yr 3yr
Credit Union Auckland 5.95 - - -
Credit Union Baywide 6.15 4.95 4.95 -
Credit Union North 6.45 - - -
Credit Union South 6.45 - - -
Finance Direct - - - -
First Credit Union 5.85 3.99 4.49 -
Heartland 6.70 7.00 7.25 7.85
Heartland Bank - Online - - - -
Heretaunga Building Society 5.75 4.80 4.95 -
HSBC Premier 5.24 3.35 3.35 3.35
HSBC Premier LVR > 80% - - - -
Lender Flt 1yr 2yr 3yr
HSBC Special - - - -
ICBC 5.15 3.18 3.18 3.20
Kainga Ora 5.18 4.04 3.95 4.39
Kiwibank 5.80 4.30 4.20 4.64
Kiwibank - Capped - - - -
Kiwibank - Offset 5.15 - - -
Kiwibank Special - 3.55 3.45 3.89
Liberty 5.69 - - -
Napier Building Society - - - -
Nelson Building Society 5.70 4.25 4.15 -
Pepper Money Near Prime 5.64 - 5.44 5.44
Lender Flt 1yr 2yr 3yr
Pepper Money Prime 5.18 - 4.98 4.98
Pepper Money Specialist 7.59 - 7.39 7.39
Resimac 4.50 4.86 3.89 3.94
RESIMAC Special - - - -
SBS Bank 5.29 4.85 5.05 5.49
SBS Bank Special - ▼3.55 3.39 3.89
Sovereign 5.30 4.15 4.29 4.55
Sovereign Special - 3.65 3.75 4.05
The Co-operative Bank - Owner Occ 5.15 3.49 3.59 3.89
The Co-operative Bank - Standard 5.15 3.99 4.09 4.39
TSB Bank 6.09 4.35 4.25 4.69
Lender Flt 1yr 2yr 3yr
TSB Special 5.29 3.55 3.45 3.89
Wairarapa Building Society 5.70 4.85 4.99 -
Westpac 5.34 4.15 4.09 4.49
Westpac - Offset 5.34 - - -
Westpac Special - 3.55 3.45 3.99
Median 5.34 4.04 4.09 4.39

Last updated: 11 November 2019 4:01pm

News Quiz

The maximum remuneration model for Australian life insurance advisers is to be set at what?

Upfront 40% + trail 20%

Upfront 50% + trail 10%

Upfront 50% + trail 20%

Upfront 60% + trail 10%

Upfront 60% + trail 20%

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