Been Declined Life Insurance?
If you have recently been declined Life Insurance or deferred for a period due to health issues as simple as a high BMI, Cholesterol or even something a little more serious like AIDs or Hepatitis B, we may be able to help you with a new innovative life product from a leading New Zealand Life Insurance Company.
Entry age is limited to those between 20 and 79 and you merely have to confirm that you have not been diagnosed with any illness or disease that is expected to cause death within 12 months.
Payments can be made fortnightly or monthly and the cover is based on your age at the commencement date and the premium chosen. Cover is level, the premium does not increase and the cover continues as long as the premiums are paid.
Contact us to get the finer details…we service clients NZ wide and look forward to discussing your options with you. Ask for Bruce or denis for a confidential chat.
Click here to email Thorners or Call Us on (04) 528 8088
Investment Risk Profiles – Default KiwiSaver Schemes
Are you in a Kiwisaver default scheme?
Does your risk profile match your expectations?
An element of successful investing is paying attention to your risk profile – and understanding what that means for your long-term returns. Your risk profile is about what you want your investments to achieve and your attitude to the risks involved. While this may change over the longer-term, it’s important to understand how you feel about risk before you commit to your investment.
“One of the worst things an investor can do is change their risk profile (which is linked to their investment strategy) because of short term-market moves – you can’t expect to be a high risk investor when markets are booming and a low risk investor when times are tough. The point of a risk profile, or investment strategy, is to ensure your portfolio is structured so you can look past short-term moves to get the result you need.”
By determining your risk profile – such as growth, balanced or conservative – you can understand how comfortable you are with your investment choices, by setting a strategy which is consistent with your risk tolerance.
At Thorners, all clients complete a Risk Profile so that they can gauge their appetite for the various options available and at the end, they have an understanding of why they are investing in a particular fund.
As KiwiSaver Default schemes are conservative, they may not match your investment expectations. Contact us to discuss your options.
P Labs and rental properties
Tenanted properties make up the majority of the P-labs in New Zealand and the innocent property owners are often unaware of any damage until well after manufacturing has ceased and the tenants have moved on.
The clean up is time consuming and can be extremely costly with the property often uninhabitable for some time. The clean up can involve removal of items including benches and sinks, baths, stoves, wall paper and linings, carpet and drapes and even soil and septic tanks.
Usually contamination damage is identified during Police investigations but a regular thorough landlord property inspection can lessen the risk and subsequent damage from methamphetamine manufacture.
Some insurers now have specific clauses relating to the regularity of property inspections and adherance is required to help validate any claims.
Talk to us if you own a rental or are responsible for managing rental properties to ensure the insurance cover is adequate and that you are adhering to the policy requirements.
