A New Year and a new start THE SUMMER HOLIDAYS ARE HERE AGAIN – a time for enjoying the company of family and friends, reflecting on the past, and planning the future. A New Year means a new start. It’s the perfect opportunity to make some changes in your life, to help you achieve your long-term goals. Perhaps you want to protect your lifestyle, health, and financial security. Or to put plans in place for your retirement. If you need professional advice to help you with these important decisions, don’t hesitate to give us a call. But for now, have a fun-filled and joyous holiday season, and a prosperous New Year. INSURANCE STRATEGISTS Aaron Baker P.O Box 147 678 Ponsonby Auckland 1144 Main: 09 360 7275 Fax: 09 360 7299 Mobile: 021 246 7870 Free: 0800 246 7800 Email: [email protected]Website: www.insurancestrategists.co.nz 1 ISSUE 6 | 2011 1 BEGINNER’S GUIDE CHANGES IN YOUR PERSONAL CIRCUMSTANCES can often mean changes to your financial situation, but many of us don’t think about the impact of this in terms of our insurance cover. Life doesn’t stand still – so you need to make sure your insurance cover keeps pace with your changing lifestyle. Have you got married recently, or divorced? Had a baby? Taken out a home loan, or increased your mortgage? Taken responsibility for the full-time care of a family member? If there’s been a ‘special event’ in your life, you may wish to review your insurance needs, so that you and your loved ones stay properly protected. It’s worth taking a look at your policy to see if it allows you to top up your cover following changes in your life, preferably without the need for additional medical information. If you’re not insured, it’s a good idea to look for a product which includes this feature. As a general rule, with policies like this you can increase your cover by up to 50%, without the need to provide further information, for certain events. There will, naturally, be an increase in your premiums for improved levels of cover, and you may need to provide evidence of the special events mentioned above. There may also be limitations such as the time period in which you can make an increase to your cover (typically one event every year) or the amount you can increase your cover by (generally up to 50% of the original sum). An age restriction may also apply. Is your life cover keeping pace with you and your family? Talk to us for more information and advice on hassle-free top-ups. IF THERE’S BEEN A ‘SPECIAL EVENT’ IN YOUR LIFE, YOU MAY WANT TO REVIEW YOUR INSURANCE NEEDS, SO YOU AND YOUR LOVED ONES STAY PROPERLY PROTECTED. The availability of a special events increase is subject to your application being approved. All applications are subject to individual consideration and special conditions, exclusions or premium loadings may apply. For full details, refer to your policy document.
The information contained in this publication is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision, you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.
This publication may contain links to websites. Those links are provided for convenience only and may not be current. We are not responsible for the content or privacy practices associated with linked websites. These links should not be construed as an endorsement of the owners or operators of those linked websites, or of any information, graphics, materials, products or services, referred to or contained on those websites.
ISSUE 6 | 2011
A New Year and a new startThE SUmmEr holIdAYS ArE hErE AgAIN – a time for enjoying the company of family and friends, reflecting on the past, and planning the future. A New Year means a new start. It’s the perfect opportunity to make some changes in your life, to help you achieve your long-term goals.
Perhaps you want to protect your lifestyle, health, and financial security. or to put plans in place for your retirement. If you need professional advice to help you with these important decisions, don’t hesitate to give us a call.
But for now, have a fun-filled and joyous holiday season, and a prosperous New Year.
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B E g I N N E r ’S g U I d E
ChANgES IN YoUr PErSoNAl CIrCUmSTANCES can often mean changes to your financial situation, but many of us don’t think about the impact of this in terms of our insurance cover.
life doesn’t stand still – so you need to make sure your insurance cover keeps pace with your changing lifestyle. have you got married recently, or divorced? had a baby? Taken out a home loan, or increased your mortgage? Taken responsibility for the full-time care of a family member?
If there’s been a ‘special event’ in your life, you may wish to review your insurance needs, so that you and your loved ones stay properly protected.
It’s worth taking a look at your policy to see if it allows you to top up your cover following changes in your life, preferably without the need for additional medical information. If you’re not insured, it’s a good idea to look for a product which includes this feature.
As a general rule, with policies like this you can increase your cover by up to 50%, without the need to provide further information, for certain events.
There will, naturally, be an increase in your premiums for improved levels of cover, and you may need to provide evidence of the special events mentioned above.
There may also be limitations such as the time period in which you can make an increase to your cover (typically one event every year) or the amount you can increase your cover by (generally up to 50% of the original sum). An age restriction may also apply.
Is your life cover keeping pace with you and your family?
Talk to us for more information and advice on hassle-free top-ups.
IF ThErE’S BEEN A
‘SPECIAl EvENT’ IN
YoUr lIFE, YoU mAY
WANT To rEvIEW
YoUr INSUrANCE
NEEdS, So YoU ANd
YoUr lovEd oNES STAY
ProPErlY ProTECTEd.
The availability of a special events increase is subject to your application being approved. All applications are subject to individual consideration and special conditions, exclusions or premium loadings may apply. For full details, refer to your policy document.
The information contained in this publication is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision, you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.
This publication may contain links to websites. Those links are provided for convenience only and may not be current. We are not responsible for the content or privacy practices associated with linked websites. These links should not be construed as an endorsement of the owners or operators of those linked websites, or of any information, graphics, materials, products or services, referred to or contained on those websites.
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ISSUE 6 | 2011
A New Year and a new startThE SUmmEr holIdAYS ArE hErE AgAIN – a time for enjoying the company of family and friends, reflecting on the past, and planning the future. A New Year means a new start. It’s the perfect opportunity to make some changes in your life, to help you achieve your long-term goals.
Perhaps you want to protect your lifestyle, health, and financial security. or to put plans in place for your retirement. If you need professional advice to help you with these important decisions, don’t hesitate to give us a call.
But for now, have a fun-filled and joyous holiday season, and a prosperous New Year.
1
B E g I N N E r ’S g U I d E
ChANgES IN YoUr PErSoNAl CIrCUmSTANCES can often mean changes to your financial situation, but many of us don’t think about the impact of this in terms of our insurance cover.
life doesn’t stand still – so you need to make sure your insurance cover keeps pace with your changing lifestyle. have you got married recently, or divorced? had a baby? Taken out a home loan, or increased your mortgage? Taken responsibility for the full-time care of a family member?
If there’s been a ‘special event’ in your life, you may wish to review your insurance needs, so that you and your loved ones stay properly protected.
It’s worth taking a look at your policy to see if it allows you to top up your cover following changes in your life, preferably without the need for additional medical information. If you’re not insured, it’s a good idea to look for a product which includes this feature.
As a general rule, with policies like this you can increase your cover by up to 50%, without the need to provide further information, for certain events.
There will, naturally, be an increase in your premiums for improved levels of cover, and you may need to provide evidence of the special events mentioned above.
There may also be limitations such as the time period in which you can make an increase to your cover (typically one event every year) or the amount you can increase your cover by (generally up to 50% of the original sum). An age restriction may also apply.
Is your life cover keeping pace with you and your family?
Talk to us for more information and advice on hassle-free top-ups.
If ThErE’S BEEN A
‘SPECIAl EvENT’ IN
YoUr lIfE, YoU mAY
WANT To rEvIEW
YoUr INSUrANCE
NEEdS, So YoU ANd
YoUr lovEd oNES STAY
ProPErlY ProTECTEd.
The availability of a special events increase is subject to your application being approved. All applications are subject to individual consideration and special conditions, exclusions or premium loadings may apply. for full details, refer to your policy document.
2
h E A lT h
If you’ve not exercised seriously before, check with your doctor before you begin. once you get the go-ahead, decide which fitness activities are best for you.
Every exercise session should begin with a 5-10 minute warm-up to prepare your body for more vigorous activity. once you’re properly warmed up, be sure to stretch all the large muscle groups. do this gently and make sure you do not ‘bounce’. Each stretch should be held for 10-30 seconds and repeated 3-4 times per muscle group.
After your warm-up, begin your cardiovascular or aerobic activity. Choose a programme that allows you to exercise (brisk walking, jogging, bicycling, group fitness classes, etc.) for at least 20 minutes per session, for a minimum of three times per week.
Your programme should also include strength training. machines, free weights, and/or your own body weight can all be used to strengthen your body and achieve muscular fitness. Aim to perform between 8-12 repetitions per exercise until you reach momentary muscular fatigue. Be sure to include strength exercises for both the lower and upper body to achieve a balanced, strong body. Your strength training routine should be performed 2-3 days per week, with a day of rest in-between workouts.
Exercise sessions should end with a 5-10 minute cool-down period of light activity. This allows the body to gradually return to a near-normal temperature. once again, flexibility exercises should be performed at the end of your workout.
remember, starting a fitness programme doesn’t have to be complicated. But try to be creative with the activities you choose and vary your routine. And above all, have fun!
www.netwellness.org
get in shape for summerIT’S NoT Too lATE To ShAPE UP for SUmmEr! ThIS CAN
BE EASIlY AChIEvEd AT homE, oUTdoorS, or AT A fITNESS
WITh SUmmEr NEArlY hErE, many of you will be taking advantage of the better weather and longer evenings to get outdoors and get active.
Keeping ourselves in shape and maintaining a healthy lifestyle provide obvious benefits − but do not make us invulnerable.
health and lifestyle insurance is overlooked by many, especially by those who feel they simply don’t need it. In actual fact, even the most fit and healthy can benefit from the added protection, not only for themselves but also their families.
Consider though, these typical scenarios: Sporting knocks…
A healthy middle-aged businessman joins in a social game of touch rugby but ends up with an ankle injury requiring prolonged treatment, an operation costing thousands of dollars, and time off work. ACC covers only half the cost.
Sunshine hours… A keen gardener in his 50s discovers a malignant melanoma on his back requiring immediate removal and regular post-operative checks.
We all have mishaps…
A typical teenager has a mountain-biking accident, resulting in several broken bones, and expensive surgery and rehabilitation.
out of the blue…
A 52-year-old teacher, gym-goer and sports coach suffers a series of strokes and spends several weeks in hospital, unable to walk, or swallow food. he is forced to take early retirement.
Is it worth gambling with your health and livelihood? Affordable health and lifestyle cover is available which can protect you and your family and give you the peace of mind to enjoy this summer, no matter what. So talk to us today.
Insurance for the fit and healthy!
P E r S o N A l I N S U r A N C E
WhEN YoU APPlY for PErSoNAl INSUrANCE CovEr, YoUr INSUrEr WIll
ASK YoU A SErIES of qUESTIoNS ABoUT YoUr hEAlTh ANd lIfESTYlE. ThE
folloWINg gUIdE ExPlAINS WhY, ANd hoW YoU CAN hElP mAKE ThE WholE
ProCESS rUN AS SmooThlY AS PoSSIBlE.
A question of health...Sharing information with your insurer
1. Always tell the truth Insurance relies on good faith. You are insured on the basis of what you tell your
insurer. It’s your duty to provide truthful and complete information about your health and medical history.
2. Answer questions as fully as you can You should provide information relating to all and any conditions you currently have, or
have had in the past. If you don’t disclose something that might affect your premium, the terms of your cover or an insurer’s decision to provide you with cover, this can lead to delays. At worst, your insurance cover may be ‘avoided’ (treated as though it never existed) and your claim refused (see note 8).
3. Know what you’re consenting to By signing the declaration on your application or claim form, you are saying that you
have answered all the questions truthfully and to the best of your knowledge, and have provided any other information that may influence a decision to offer you insurance. It is important that if you are uncertain about anything, you ask for clarity before signing the declaration.
4. If in doubt, don’t leave it out If you are unsure of the relevance of any information, it’s best to include it on your
application form, just to be safe.
5. If you don’t know something, say so Your insurer will then need to obtain the information from somewhere else. You must
be asked for consent before further information is sought.
6. Know what is in your medical notes Sometimes your insurer will require additional information about your health. In these
cases, they might seek information from you, your doctor or dentist, your employer, ACC or other government departments. Under the Privacy Act 1993, the insurer must have your permission to contact someone about your medical history. In addition, any request must be relevant to the decision whether or not to insure you.
7. report any changes Your obligation to disclose everything you know about your health does not end until
your policy has been issued. Therefore, if your circumstances change during the period between making an application and the start of your insurance cover, be sure to let your insurer know.
8. Understanding non-disclosure The non-disclosure of information can become an issue at claim time. This is because
when you make a claim, your medical history may be looked into more closely. Even if the information you failed to provide is unrelated to your claim, but would have altered the original offer of insurance to you, the insurer is legally entitled to ‘avoid’ your policy from inception, which means your insurance cover is treated as though it never existed and you will have no valid claim (see point 2).
YoUr oBlIgATIoN
To dISCloSE
EvErYThINg YoU
KNoW ABoUT YoUr
hEAlTh doES NoT ENd
UNTIl YoUr PolICY
hAS BEEN ISSUEd.
3
The information contained in this publication is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision, you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.
This publication may contain links to websites. Those links are provided for convenience only and may not be current. We are not responsible for the content or privacy practices associated with linked websites. These links should not be construed as an endorsement of the owners or operators of those linked websites, or of any information, graphics, materials, products or services, referred to or contained on those websites.
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P E r S o N A l I N S U r A N C E
mANY PEoPlE Who hAvE lIfE ANd hEAlTh
INSUrANCE AlSo ChooSE To ProvIdE
ThEmSElvES WITh ThE AddEd SECUrITY
of CrITICAl IllNESS CovEr.
This is for the simple reason that we’re living longer than we used to – and with ongoing medical advancements, the chances of a lasting recovery following serious illness like cancer, stroke or a heart attack are increasing.
While this is good news, the cost of rehabilitation can have a huge financial impact on you and your family. If you suffered a serious illness that left you unable to work, would you be able to continue paying the mortgage or car loan, or simply maintain your lifestyle? Who currently relies on your income?
Critical illness protection is designed to help you during your recovery. This form of cover provides a lump-sum payment should you suffer a defined critical illness, and is ideal for paying immediate living expenses – alleviating the burden of debt and helping you with your recovery.
did you know?one in five men and one in seven women between the ages of 30 and 64 will suffer a critical illness. gen re lifehealth ‘Australian Critical
Illness Survey 2008’
52% of male and 59% of female cancer patients will recover and be alive five years later.South Australian Cancer registry, 2003
Every day, about 22 people in New Zealand have strokes.The Stroke foundation of
New Zealand, 2010
give yourself the best chance of recovery
If YoU SUffErEd A
SErIoUS IllNESS ThAT
lEfT YoU UNABlE To
WorK, WoUld YoU
BE ABlE To CoNTINUE
PAYINg ThE morTgAgE
or CAr loAN, or
SImPlY mAINTAIN
YoUr lIfESTYlE?If you want to protect yourself and your family against the unexpected, and give yourself the best chance of a full recovery should this ever happen to you, talk to us today about the benefits of critical illness cover.
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