Having a will is really important, but it can seem overwhelming and hard to start the process of creating it. Like having life insurance, health insurance and trauma insurance, the benefits of a will are easy to appreciate. It is all about looking after the people we care about should something happen to us. It …
With GP visits free to children under 13, getting medical cover for your healthy, active children may seem unnecessary. There are a number of reasons we think it is worth considering. Health insurance is something your future self will thank you for. The same concept stands for insuring your children – you are setting them …
Does someone not earning an income need personal insurance cover? We strongly believe they do. We have written before about the importance of income protection, as your ability to earn an income is your greatest asset. To this end, making sure you have adequate income and life cover for the breadwinner in the family is a …
RMA Financial is a family based business. We value family relationships and recognise to keep them strong it takes work. Here are a few thoughts on what helps build quality family connections. Quality time from quantity time. Something to consider is that opportunities for quality time often emerge from quantity time: The more time you …
When it comes to insurance, it can be so easy to get your cover sorted, pay the bill by direct debit each month and then largely forget about your policies until you need them, even if life changes. The question is, when is a good time to relook at it all? At RMA Financial we send out a letter …
The New Zealand Herald recently ran a five part series, “Cancer – the cost of a life”, investigating controversies in cancer testing and treatment. Cancer is a scary diagnosis and it is important to have an accurate understanding of the role that medical cover can play in terms of access to different treatments. The cost …
Cancer screening and treatment – how well does your medical insurance cover you? Read More »
The statistics for Fidelity Life claims are out as a flyer that brokers can use to see where and what claims were paid in 2014. From 2012 to 2014 they paid a total of $96.5 million in death and terminal illness claims, $51.9 in critical illness or trauma claims, and $19.6 million in income protection. …
Ask people what their most valuable asset is and they will likely tell you it is their home. And should you probe further you will find they probably have their home well insured. Great! Chances are they will have life insurance too. And they definitely have car insurance! The problem is that your house is …
Your most valuable asset? It may not be what you think… Read More »
“Do something today that your future self will thank you for.” Whether or not you are a fan of bite-sized wisdom, this is a great point from which to discuss health insurance. In New Zealand we are lucky to have a fairly robust public health system which can lead people to think health insurance is …
Do you really need health insurance in New Zealand? We think so. Read More »
When it comes to personal insurance, deciding which cover to get can be overwhelming. Life insurance, income protection, trauma cover… Each sounds like a good idea, but sometimes budget dictates that you just can’t have them all right now. So how do you decide which is most important? The first step is to find a …
Personal Insurance: Which type of cover do you really need? Read More »
Here’s an interesting fact: In the current ‘internet age’, every smartphone user has more information at their fingertips than the entire global population had just one generation ago. Of course, having such vast quantities of information readily available has led to huge changes in the way we live life, communicate, spend money and find answers …
Tempted to self-diagnose? The risks of buying insurance online. Read More »
How long have you been with your current bank? Whether it’s been since you were a nipper or later in life, chances are you’re a long-standing customer. So, when it comes to buying life insurance, trauma cover or mortgage protection, it’s not surprising that many people take the option offered by their bank. It’s quick …
Buying insurance from the bank? 3 things to watch out for. Read More »
