Sovereign Best Doctors
Did you know that Sovereign payout over $700,000 per month in Specialist and Test claims alone.
Sovereign have made policy changes and you can now have Specialist and Test cover linked to your life policy. Follow the link to see why people are claiming and which conditions have the highest claims ratio – you may be surprised!
Specialist and Diagnostic Testing Fact Sheet
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Making a life insurance claim
Many people put off making a claim until the inevitable happens but always remember the sooner the insurer knows your circumstances, the sooner they can assist you.
Check this link to see how Sovereign handle claims Sovereign Guide to Making a Claim
Contact Thorners for all of your insurance requirements.
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Click here to email Thorners or Call Us on (04) 528 8088
Sentinel Lifetime Loan Interest Rate Reduction Effective 8 November 2010
Effective from 8 November 2010 the Senitinel Lifetime Loan interest rate will reduce to 7.20% p.a. which continues to make the Sentinel Lifetime Loan a great choice for any retired New Zealander’s struggling with their cash flow.
Contact Thorners if you need finer details on the loan and how it may work for yourself or your parents.
Experience the Thorners “no fuss” planned approach to financial freedom and protection
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Real Life New Zealander’s Life Insurance Claim stories
Ever wonder why you pay Life Insurance and wonder what is covers?
Ever wonder if anybody ever gets paid out on a claim?
Follow this link to see real life New Zealander’s and their personal life claim stories.
https://www.sovereign.co.nz/real-life-insurance/
Let me know if you need to review your life cover – Denis@thorner.co.nz 0274 575190
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Click here to email Thorners or Call Us on (04) 528 8088
Premium refunds on life policies are reintroduced
Life insurance premium refunds have just been reintroduced to New Zealand.
We need to speak soon if you want the ability to have life insurance cover and to get a premium refund after a specified term. Follow the links below or call me directly to discuss how this may fit into your personal insurance plan – Denis Thorner 0274 575190
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Click here to email Thorners or Call Us on (04) 528 8088
Thorners August Newsletter
Click on the link to see if your protection plan is complete August 2010 newsletter
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Kiwisaver Three Years On
3 years on, over $5.5 billion invested across 1.4 million members and still 1,000 new members are signing up each day!
Do you need to speak with us to discuss your options?
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KiwiSaver First Home Buyer Incentives now available
The 3rd Anniversary of KiwiSaver also marks the commencement of the first home purchase withdrawal facility and the first home purchase subsidy. From1 July these benefits became available to eligible members.
SAVING FOR YOUR FIRST HOME WITH KIWISAVER
While KiwiSaver is mainly about saving for your retirement, there are 2 benefits for KiwiSaver members who are saving for their first home.
Benefit 1: Savings Withdrawal To Buy A Member’s First Home
To help members with a deposit for their first home, they may be able to withdraw some or all of their KiwiSaver savings (except for the $1,000 kick-start and member tax credit).
Eligible criteria:
• You must have been a KiwiSaver member or a member of a complying fund for three or more years.
• You can only withdraw money to buy your first home – not an investment property.
If the member owned a home before, in some circumstances they may still be eligible to withdraw their savings. For more information the member can visit the Housing New Zealand website www.hnzc.govt.nz or call them on 0800 801 601 to determine if they are in the same financial position as a first home buyer.
Benefit 2: KiwiSaver First Home Deposit Subsidy
From 1 July 2010, after 3 years of contributing to KiwiSaver, members may be entitled to a first home deposit subsidy. The subsidy is administered by Housing New Zealand NOT the KiwiSaver provider.
The first home deposit subsidy is $1,000 for each year the member has been contributing to KiwiSaver, up to a maximum of $5,000 for five years. If they are a couple buying a house together and they both qualify for a subsidy, they can receive a combined subsidy of up to $10,000. Income and house price caps will apply.
To be eligible for the first home deposit subsidy, the member must:
• have contributed at least 2% of their income to a KiwiSaver scheme, or a complying superannuation scheme, for at least 3 years
• be buying their first home*
• be planning to live in the house for at least 6 months.
* If they have owned a home before, in some circumstances they may still be eligible for the first home deposit subsidy. Housing New Zealand will need to determine that they are in the same financial position as a first home buyer.
To find out more, visit the Housing New Zealand website www.hnzc.govt.nz or call them on 0508 935 266
After They’ve Bought Their Home
Once they have made a withdrawal from their KiwiSaver account to buy their first home, they will remain a KiwiSaver member.
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Click here to email Thorners or Call Us on (04) 528 8088
Considering KiwiSaver – need some quick pointers?
See the attached link for one minute of KiwiSaver tips…
Let us know if you need further advice.
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Click here to email Thorners or Call Us on (04) 528 8088
Have life insurance but no Will?
Everybody with assets, particularly life insurance, needs to have a Will. Follow this link for some wise words.
Talk to your legal professional if you need further advice.
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Click here to email Thorners or Call Us on (04) 528 8088
