Generated by All in One SEO v5.0.0.1, this is an llms.txt file, used by LLMs to index the site. # Thorners Thorners Insurance and Investment Services ## Sitemaps - [XML Sitemap](https://www.thorner.co.nz/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Investment updates](https://www.thorner.co.nz/news/) - [Investment market update July 2026](https://www.thorner.co.nz/investment-market-update-july-2026/) - [Investment markets update July 2025](https://www.thorner.co.nz/investment-market-update-july-2025/) - [Investment markets update August 2025](https://www.thorner.co.nz/investment-market-update-august-2025/) - [Investment markets update September 2025](https://www.thorner.co.nz/investment-market-update-september-2025/) - [Investment markets update October 2025](https://www.thorner.co.nz/investment-market-update-october-2025/) - [Investment markets update November 2025](https://www.thorner.co.nz/investment-market-update-november-2025/) - [Investment markets update January 2026](https://www.thorner.co.nz/investment-market-update-january-2026/) - [Investment markets update February 2026](https://www.thorner.co.nz/investment-market-update-february-2026/) - [Investment markets update March 2026](https://www.thorner.co.nz/investment-market-update-march-2026/) - [Investment markets update April 2026](https://www.thorner.co.nz/investment-market-update-april-2026/) - [Investment markets update May 2026](https://www.thorner.co.nz/investment-market-update-may-2026/) - [Investment markets update June 2026](https://www.thorner.co.nz/investment-markets-update-june-2026/) - [Investment market update June 2025](https://www.thorner.co.nz/investment-market-update-june-2025/) - [Investment market update May 2025](https://www.thorner.co.nz/investment-market-update-may-2025/) - [Investment market update April 2025](https://www.thorner.co.nz/investment-market-update-april-2025/) - [Investment market update March 2025](https://www.thorner.co.nz/investment-market-update-march-2025/) - [Investment market update February 2025](https://www.thorner.co.nz/investment-market-update-february-2025/) - [Investment market update January 2025](https://www.thorner.co.nz/investment-market-update-january-2025/) - [Investment market update November 2024](https://www.thorner.co.nz/investment-market-update-november-2024/) - [Investment market review October 2024](https://www.thorner.co.nz/investment-market-review-october-2024/) - [Investment market review September 2024](https://www.thorner.co.nz/investment-market-review-september-2024/) - [Investment market review August 2024](https://www.thorner.co.nz/investment-market-review-august-2024/) - [Investment market review July 2024](https://www.thorner.co.nz/investment-market-review-july-2024/) - [Investment market review June 2024](https://www.thorner.co.nz/investment-market-review-june-2024/) - [Investment market review May 2024](https://www.thorner.co.nz/investment-market-review-may/) - [Investment market review April 2024](https://www.thorner.co.nz/investments-market-update-april-2024/) - [Investment market review March 2024](https://www.thorner.co.nz/investment-market-review-march-2024/) - [Investment market review February 2024](https://www.thorner.co.nz/investment-market-review-february-2024/) - [Investment market review January 2024](https://www.thorner.co.nz/investment-market-review-january-2024/) - [Investment market review November 2023](https://www.thorner.co.nz/investment-market-review-november-2023/) - [Investment market review October 2023](https://www.thorner.co.nz/investment-market-review-october-2023/) - [Investment market review September 2023](https://www.thorner.co.nz/investment-market-review-september-2023/) - [Investment market review August 2023](https://www.thorner.co.nz/investment-market-review-august-2023/) - [Investment market review July 2023](https://www.thorner.co.nz/investment-update-july-2023/) - [Investment market review June 2023](https://www.thorner.co.nz/investment-market-review-june-2023/) - [Investment market review May 2023](https://www.thorner.co.nz/investment-market-review-may-2023/) - [Investment market review April 2023](https://www.thorner.co.nz/investment-market-review-april-2023/) - [Investment market review March 2023](https://www.thorner.co.nz/investment-market-review-march-2023/) - [Investment market review February 2023](https://www.thorner.co.nz/investment-market-review-february-2023/) - [Investment market review January 2023](https://www.thorner.co.nz/investment-market-review-january-2023/) - [Investment market review November 2022](https://www.thorner.co.nz/investment-market-review-november-2022/) - [Investment market review October 2022](https://www.thorner.co.nz/investment-market-review-october-2022/) - [Investment market review September 2022](https://www.thorner.co.nz/investment-market-review-september-2022/) - [Investment market review August 2022](https://www.thorner.co.nz/investment-market-review-august-2022/) - [Investment market review July 2022](https://www.thorner.co.nz/investment-market-review-july-2022/) - [Investment market review June 2022](https://www.thorner.co.nz/investment-market-review-june-2022/) - [Investment market review May 2022](https://www.thorner.co.nz/investment-market-review-may-2022/) - [Investment market review April 2022](https://www.thorner.co.nz/investment-market-review-april-2022/) - [Investment market review March 2022](https://www.thorner.co.nz/investment-market-review-march-2022/) - [Investment Market Review February 2021](https://www.thorner.co.nz/investment-report-march-2021/) - [Investment Market Review March 2021](https://www.thorner.co.nz/investment-report-april-2021/) - [Investment Market Review April 2021](https://www.thorner.co.nz/investment-update-may-2021/) - [Investment Market Review May 2021](https://www.thorner.co.nz/investment-report-june-2021/) - [Investment Market Review June 2021](https://www.thorner.co.nz/investment-report-july-2021/) - [Investment Market Review July 2021](https://www.thorner.co.nz/investment-report-august-2021/) - [Investment Market Review August 2021](https://www.thorner.co.nz/investment-report-september-2021/) - [Investment Market Review October 2021](https://www.thorner.co.nz/investment-update-november-2021/) - [Investment Market Review November 2021](https://www.thorner.co.nz/investment-report-december-2021/) - [Investment Market Review September 2021](https://www.thorner.co.nz/investment-report-october-2021/) - [Investment Market Review January 2022](https://www.thorner.co.nz/investment-report-february-2022/) - [Investment Market Review February 2022](https://www.thorner.co.nz/investment-market-review-february-2022/) - [Investment report update 2021](https://www.thorner.co.nz/investment-report-february-2021/) - [Investment report December 2020](https://www.thorner.co.nz/investment-report-december-2020/) - [Investment report November 2020](https://www.thorner.co.nz/investment-report-november-2020/) - [Investment report October 2020](https://www.thorner.co.nz/investment-report-october-2020/) - [Investment report September 2020](https://www.thorner.co.nz/investment-report-september-2020/) - [Investment report August 2020](https://www.thorner.co.nz/investment-report-august-2020/) - [Investment report July 2020](https://www.thorner.co.nz/investment-report-july-2020/) - [Investment report June 2020](https://www.thorner.co.nz/investment-report-june-2020/) - [Investment report May 2020](https://www.thorner.co.nz/investment-report-may-2020/) - [Thorners Working Arrangements](https://www.thorner.co.nz/thorners-working-arrangements/) - [Investment report April 2020](https://www.thorner.co.nz/investment-report-april-2020/) - [Investment report March 2020](https://www.thorner.co.nz/investment-report-february-2020/) - [Coronavirus update](https://www.thorner.co.nz/coronavirus-update/) - [What was the best performing investment asset class in 2019?](https://www.thorner.co.nz/what-was-the-best-performing-investment-asset-class-in-2019/) - [Investment report December 2019](https://www.thorner.co.nz/investment-report-december-2019/) - [Investment report November 2019](https://www.thorner.co.nz/investment-report-november-2019/) - [Understanding Reverse Mortgages](https://www.thorner.co.nz/understanding-reverse-mortgages/) - [Investment report October 2019](https://www.thorner.co.nz/investment-report-october-2019/) - [Mortgage Interest Rates Have Moved Again](https://www.thorner.co.nz/mortgage-interest-rates-have-moved-again/) - [5 Powerful Investment tips](https://www.thorner.co.nz/5-powerful-investment-tips/) - [Investment report September 2019](https://www.thorner.co.nz/investment-report-september-2019/) - [Sovereign revamps health insurance](https://www.thorner.co.nz/sovereign-revamps-health-insurance/) - [Investment report August 2019](https://www.thorner.co.nz/investment-report-august-2019/) - [Investment report July 2019](https://www.thorner.co.nz/investment-report-july-2019/) - [Investment report June 2019](https://www.thorner.co.nz/investment-report-june-2019/) - [Investment report May 2019](https://www.thorner.co.nz/investment-report-may-2019/) - [Motor Vehicle Insurance](https://www.thorner.co.nz/motor-vehicle-insurance/) - [Investment report April 2019](https://www.thorner.co.nz/investment-report-april-2019/) - [S&P issue warning on New Zealand property market](https://www.thorner.co.nz/sp-issue-warning-on-new-zealand-property-market/) - [Investment report March 2019](https://www.thorner.co.nz/investment-report-march-2019/) - [Disclosure is no duty - it's about being honest](https://www.thorner.co.nz/disclosure-is-no-duty-its-about-being-honest/) - [Investment report January 2019](https://www.thorner.co.nz/investment-report-for-january-2019/) - [Investment report February 2019](https://www.thorner.co.nz/investment-report-february-2019/) - [What to do when investment markets fall](https://www.thorner.co.nz/what-to-do-when-investment-markets-fall/) - [Investment report December 2018](https://www.thorner.co.nz/investment-report-december-2018/) - [Investment report November 2018](https://www.thorner.co.nz/investment-report-november-2018/) - [Investment report October 2018](https://www.thorner.co.nz/investment-report-october-2018/) - [Investment report September 2018](https://www.thorner.co.nz/investment-report-september-20108/) - [Investment report August 2018](https://www.thorner.co.nz/2850-2/) - [Redundancy, mortgage protection and disability insurance are all different](https://www.thorner.co.nz/redundancy-mortgage-protection-and-disability-insurance-are-all-different/) - [Investment report February 2018](https://www.thorner.co.nz/investment-report-january-2018/) - [Investment report March 2018](https://www.thorner.co.nz/investment-report-february-2018/) - [Investment report April 2018](https://www.thorner.co.nz/investment-report-march-2018/) - [Investment Report May 2018](https://www.thorner.co.nz/investment-report-for-the-period-ending-30-april-2018/) - [Investment report June 2018](https://www.thorner.co.nz/investment-report-for-the-period-ending-may-2018/) - [Investment report July 2018](https://www.thorner.co.nz/investment-report-for-the-period-ending-june-2018/) - [Key financial data as at 1 April 2018](https://www.thorner.co.nz/key-financial-data-as-at-1-april-2018/) - [Investment Market Volatility](https://www.thorner.co.nz/investment-market-volatility/) - [Investment report December 2017](https://www.thorner.co.nz/investment-report-december-2017/) - [Thorners Holiday Hours](https://www.thorner.co.nz/thorners-holiday-hours/) - [Travel Insurance](https://www.thorner.co.nz/travel-insurance/) - [Investment report November 2017](https://www.thorner.co.nz/investment-report-november-2017/) - [Investment report October 2017](https://www.thorner.co.nz/investment-report-october-2017/) - [Investment report September 2017](https://www.thorner.co.nz/investment-report-september-2017/) - [Protecting your Assets](https://www.thorner.co.nz/protecting-your-assets/) - [Investment report August 2017](https://www.thorner.co.nz/investment-report-august-2017/) - [Protecting your Family](https://www.thorner.co.nz/protecting-your-family/) - [Protecting your Retirement](https://www.thorner.co.nz/protecting-your-retirement/) - [The Importance of Cyber Insurance](https://www.thorner.co.nz/the-importance-of-cyber-insurance/) - [Private Health vs Public Health System](https://www.thorner.co.nz/private-health-vs-public-health-system/) - [What is Socially Responsible Investing?](https://www.thorner.co.nz/what-is-socially-responsible-investing/) - [July 2015 Newsletter](https://www.thorner.co.nz/july-2015-newsletter/) - [September 2012 Newsletter](https://www.thorner.co.nz/september-2012-newsletter/) - [Thorner newsletter June 2014](https://www.thorner.co.nz/thorner-newsletter-june-2014/) - [Mayoral congratulations to Thorners for recent business award](https://www.thorner.co.nz/mayoral-congratulations-to-thorners-for-recent-business-award/) - [December 2014 Newsletter](https://www.thorner.co.nz/december-2014-newsletter/) - [New Progressive Care from Sovereign](https://www.thorner.co.nz/new-progressive-care-from-sovereign/) - [GET ONE MONTH FREE ON A NEW TYPE OF INSURANCE](https://www.thorner.co.nz/get-one-month-free-on-a-new-type-of-insurance/) - [Thorner October 2013 Newsletter](https://www.thorner.co.nz/thorner-october-2013-newsletter/) - [February 2014 edition of Thorner Newsletter](https://www.thorner.co.nz/february-edition-of-thorner-newsletter/) - [May 2014 Newsletter](https://www.thorner.co.nz/may-2014-newsletter/) - [Insurance changes over the life cycle](https://www.thorner.co.nz/insurance-changes-over-the-life-cycle/) - [Avoid delays at claim time](https://www.thorner.co.nz/avoid-delays-at-claim-time/) - [May 2015 Newsletter](https://www.thorner.co.nz/may-2015-newsletter/) - [Winner Best Trade/Service Business - Upper Hutt Business Excellence Awards 2009](https://www.thorner.co.nz/winner-best-tradeservice-business-upper-hutt-business-excellence-awards-2009/) - [Thorners June 2010 Newsletter](https://www.thorner.co.nz/thorners-june-2010-newsletter/) - [Do you have unclaimed funds at the IRD?](https://www.thorner.co.nz/do-you-have-unclaimed-funds-at-the-ird/) - [Canterbury Earthquake - February 2011](https://www.thorner.co.nz/canterbury-earthquake-february-2011/) - [Thorners April 2011 Newsletter](https://www.thorner.co.nz/thorners-april-2011-newsletter/) - [Authorised Financial Adviser (AFA)](https://www.thorner.co.nz/authorised-financial-adviser-afa/) - [Thorners August 2011 Newsletter](https://www.thorner.co.nz/thorners-august-2011-newsletter/) - [April 2015 Newsletter](https://www.thorner.co.nz/april-2015-newsletter/) - [May 2012 Newsletter](https://www.thorner.co.nz/may-2012-newsletter/) - [Investment report August 2012](https://www.thorner.co.nz/investment-report-august-2012/) - [Thorner April 2013 Newsletter](https://www.thorner.co.nz/thorner-april-2013-newsletter/) - [Thorners March 2014 Newsletter](https://www.thorner.co.nz/thorners-march-newsletter/) - [Interest rate change - 16 December 2015](https://www.thorner.co.nz/interest-rate-change-16-december-2015/) - [Make sure you’re covered under the new WorkSafe rules](https://www.thorner.co.nz/make-sure-youre-covered-under-the-new-worksafe-rules/) - [Investment Report July 2017](https://www.thorner.co.nz/investment-report-july-2017/) - [Investment Report May 2017](https://www.thorner.co.nz/investment-report-may-2017/) - [Investment Report June 2017](https://www.thorner.co.nz/investment-report-june-2017/) - [Investment Report March 2017](https://www.thorner.co.nz/investment-report-march-2017/) - [Investment Report April 2017](https://www.thorner.co.nz/investment-report-april-2017/) - [Investment Report February 2017](https://www.thorner.co.nz/investment-report-february-2017/) - [Investment Report December 2016](https://www.thorner.co.nz/investment-report-december-2016/) - [Investment Report January 2017](https://www.thorner.co.nz/investment-report-january-2017/) - [Investment Report November 2016](https://www.thorner.co.nz/investment-report-november-2016/) - [US election result](https://www.thorner.co.nz/us-election-result/) - [Investment report September 2016](https://www.thorner.co.nz/investment-report-september-2016/) - [Investment Report October 2016](https://www.thorner.co.nz/investment-report-october-2016/) - [Investment Report August 2016](https://www.thorner.co.nz/investment-report-august-2016/) - [Investment Report July 2016](https://www.thorner.co.nz/investment-report-july-2016/) - [Investment Report June 2016](https://www.thorner.co.nz/investment-report-june-2016/) - [Thorners 25 years in Business](https://www.thorner.co.nz/thorners-25-years-in-business/) - [Investment Report April 2016](https://www.thorner.co.nz/investment-report-april-2016/) - [Investment Report May 2016](https://www.thorner.co.nz/investment-report-may-2016/) - [Investment Report March 2016](https://www.thorner.co.nz/investment-report-march-2016/) - [Investment Report February 2016](https://www.thorner.co.nz/investment-report-february-2016/) - [Investment Report January 2016](https://www.thorner.co.nz/investment-report-january-2016/) - [Contract Works Insurance](https://www.thorner.co.nz/contract-works-insurance/) - [Are you sick of your life insurance premiums increasing every year?](https://www.thorner.co.nz/are-you-sick-of-your-life-insurance-premiums-increasing-every-year/) - [Domestic Contents Insurance – Specified Items](https://www.thorner.co.nz/domestic-contents-insurance-specified-items/) - [Checklist for After a Car Accident](https://www.thorner.co.nz/checklist-for-after-a-car-accident/) - [Cover with Sovereign](https://www.thorner.co.nz/cover-with-sovereign/) - [June 2015 Newsletter](https://www.thorner.co.nz/june-2015-newsletter/) - [Thorners March 2015 Newsletter](https://www.thorner.co.nz/thorners-march-2015-newsletter/) - [Thorners February 2015 Newsletter](https://www.thorner.co.nz/thorners-february-2015-newsletter/) - [Life Insurance non disclosure - don't let this happen to your family at claim time](https://www.thorner.co.nz/life-insurance-non-disclosure-dont-let-this-happen-to-you/) - [Thorners January 2015 Newsletter](https://www.thorner.co.nz/thorners-january-2015-newsletter/) - [Thorners November 2014 Newsletter](https://www.thorner.co.nz/thorners-november-2014-newsletter/) - [Thorners October 2014 Newsletter](https://www.thorner.co.nz/thornerss-october-2014-newsletter/) - [September 2014 Newsletter](https://www.thorner.co.nz/september-2014-newsletter/) - [August 2014 Newsletter](https://www.thorner.co.nz/august-2014-newsletter/) - [July 2014 newsletter](https://www.thorner.co.nz/july-2014-newsletter/) - [April 2014 Newsletter](https://www.thorner.co.nz/april-2014-newsletter/) - [Thorner March 2013 Newsletter](https://www.thorner.co.nz/thorner-march-2013-newsletter/) - [February 2013 Newsletter](https://www.thorner.co.nz/february-2013-newsletter/) - [Trans-Tasman pension funds a step closer .....](https://www.thorner.co.nz/trans-tasman-pension-funds-a-step-closer/) - [October newsletter](https://www.thorner.co.nz/october-newsletter-2/) - [Is your KiwiSaver investment right for you?? Watchdog (FMA) urges KiwiSaver care...](https://www.thorner.co.nz/is-your-kiwisaver-investment-right-for-you-watchdog-fma-urges-kiwisaver-care/) - [Value yourself properly for life insurance](https://www.thorner.co.nz/value-yourself-properly-for-life-insurance/) - [Update regarding moving Australian super plans back to New Zealand....](https://www.thorner.co.nz/update-regarding-moving-australian-super-plans-back-to-new-zealand/) - Update regarding moving Australian super plans back to New Zealand - [August 2012 Newsletter](https://www.thorner.co.nz/august-2012-newsletter/) - [Half of Kiwis don't have a will .....](https://www.thorner.co.nz/half-of-kiwis-dont-have-a-will/) - [June 2012 Newsletter](https://www.thorner.co.nz/june-2012-newsletter/) - [July 2012 Newsletter](https://www.thorner.co.nz/july-2012-newsletter/) - [February 2012 Newsletter](https://www.thorner.co.nz/february-2012-newsletter/) - [March 2012 Newsletter](https://www.thorner.co.nz/march-2012-newsletter/) - [January 2012 Newsletter](https://www.thorner.co.nz/january-2012-newsletter/) - [Sovereign Reduce Fixed Home Loan Rates](https://www.thorner.co.nz/sovereign-reduce-fixed-home-loan-rates/) - [First home interest growing](https://www.thorner.co.nz/first-home-interest-growing/) - [Reserve Bank leaves interest rates on hold](https://www.thorner.co.nz/reserve-bank-leaves-interest-rates-on-hold/) - [New product range now available for business owners!](https://www.thorner.co.nz/new-product-range-now-available-for-business-owners/) - [Government to make third-party insurance compulsory......](https://www.thorner.co.nz/government-to-make-third-party-insurance-compulsory/) - [Mortgage Interest rate latest update](https://www.thorner.co.nz/mortgage-interest-rate-latest-update/) - [Australia Super transfer to New Zealand update.....](https://www.thorner.co.nz/australia-super-transfer-to-new-zealand-update/) - [Fuel prices rising again despite high NZ dollar, but Christchurch again spared from the hike. ](https://www.thorner.co.nz/fuel-prices-rising-again-despite-high-nz-dollar-but-christchurch-again-spared-from-the-hike/) - [Continued aftershocks in Christchurch could have long term effects on the insurability of New Zealand](https://www.thorner.co.nz/continued-aftershocks-in-christchurch-could-have-long-term-effects-on-the-insurability-of-new-zealand/) - [The importance of Landlords insurance cover.....](https://www.thorner.co.nz/the-importance-of-landlords-insurance-cover/) - [Life and Medical Insurance Disclosure at Application Stage](https://www.thorner.co.nz/life-and-medical-insurance-disclosure-at-application-stage/) - [House, Contents and Motor Vehicle Premiums on the rise....?!](https://www.thorner.co.nz/house-contents-and-motor-vehicle-premiums-on-the-rise/) - [KiwiSaver Budget 2011 Changes](https://www.thorner.co.nz/kiwisaver-budget-2011-changes/) - [Thorners May 2011 Newsletter](https://www.thorner.co.nz/thorners-may-2011-newsletter/) - [Do you only have 10% deposit but want to buy a house now...?](https://www.thorner.co.nz/do-you-only-have-10-deposit-but-want-to-buy-a-house-now/) - [Recently become a non-smoker??](https://www.thorner.co.nz/recently-become-a-non-smoker/) - [Thorners November 2010 Newsletter](https://www.thorner.co.nz/thorners-november-2010-newsletter/) - [Thorners December 2010 Newsletter](https://www.thorner.co.nz/thorners-december-newsletter/) - [What a load of Bull...](https://www.thorner.co.nz/what-a-load-of-bull/) - [Thorners January 2011 Newsletter](https://www.thorner.co.nz/thorners-january-2011-newsletter/) - [Sovereign Best Doctors](https://www.thorner.co.nz/sovereign-best-doctors-2/) - [Making a life insurance claim](https://www.thorner.co.nz/making-a-life-insurance-claim/) - [Need a Sentinel Loan before Christmas?](https://www.thorner.co.nz/need-a-sentinel-loan-before-christmas/) - [Sentinel Lifetime Loan Interest Rate Change August 2010](https://www.thorner.co.nz/sentinel-lifetime-loan-interest-rate-change-august-2010/) - [Sovereign Best Doctors](https://www.thorner.co.nz/sovereign-best-doctors/) - [Not sure what to do with your South Canterbury Finance repayment?](https://www.thorner.co.nz/not-sure-what-to-do-with-your-south-canterbury-finance-repayment/) - [Thorner Investment Services Ltd](https://www.thorner.co.nz/thorner-investment-services-ltd/) - [OnePath is effective from 11 November 2010](https://www.thorner.co.nz/onepath-is-effective-from-11-november-2010/) - [Domestic Rental Properties](https://www.thorner.co.nz/domestic-rental-properties/) - [Landlords new overseas holiday legal requirement](https://www.thorner.co.nz/landlords-new-overseas-holiday-legal-requirement/) - [South Canterbury Finance Repayment Schedule](https://www.thorner.co.nz/south-canterbury-finance-repayment-schedule/) - [Real Life New Zealander's Life Insurance Claim stories](https://www.thorner.co.nz/real-life-new-zealanders-life-insurance-claim-stories/) - [Premium refunds on life policies are reintroduced ](https://www.thorner.co.nz/premium-refunds-on-life-policies-are-reintroduced/) - [Thorners October 2010 Newsletter](https://www.thorner.co.nz/thorners-october-2010-newsletter/) - [Thorners September 2010 Newsletter](https://www.thorner.co.nz/thorners-september-2010-newsletter/) - 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[Australian super transfer update November 2009](https://www.thorner.co.nz/australian-super-transfer-update-november-2009/) - [Rising medical insurance payouts vs premiums is unsustainable](https://www.thorner.co.nz/rising-medical-insurance-payouts-vs-premiums-is-unsustainable/) - [Cautionary advice on under-insurance - SME's and Trustees](https://www.thorner.co.nz/cautionary-advice-on-under-insurance-smes-and-trustees/) - [Thorners October 2009 Newsletter](https://www.thorner.co.nz/thorners-october-2009-newsletter/) - [Looking for an investment that has an AA credit rating?](https://www.thorner.co.nz/looking-for-an-investment-that-has-an-aa-credit-rating/) - [Transfering Australian Super to New Zealand - July 2009 update](https://www.thorner.co.nz/transfering-australian-super-to-new-zealand/) - [Denis Thorner has MDRT Life Qualifying Membership](https://www.thorner.co.nz/denis-thorner-has-mdrt-life-qualifying-membership/) - [Insurance Disclosure - a real example](https://www.thorner.co.nz/insurance-disclosure-a-real-example/) - 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[December tax changes](https://www.thorner.co.nz/tag/december-tax-changes/) - [minimum contribution decreases](https://www.thorner.co.nz/tag/minimum-contribution-decreases/) - [Super Gold Card](https://www.thorner.co.nz/tag/super-gold-card/) - [Home Insurance](https://www.thorner.co.nz/tag/home-insurance/) - [Pleasure craft insurance](https://www.thorner.co.nz/tag/pleasure-craft-insurance/) - [Contents Insurance](https://www.thorner.co.nz/tag/contents-insurance/) - [over 55 discounted insurance](https://www.thorner.co.nz/tag/over-55-discounted-insurance/) - [seniors discounts](https://www.thorner.co.nz/tag/seniors-discounts/) - [Ansvar insurance](https://www.thorner.co.nz/tag/ansvar-insurance/) - [Gold card discount](https://www.thorner.co.nz/tag/gold-card-discount/) - [aged over 55](https://www.thorner.co.nz/tag/aged-over-55/) - [KiwiSaver membership](https://www.thorner.co.nz/tag/kiwisaver-membership/) - [Kiwisaver employer agreements](https://www.thorner.co.nz/tag/kiwisaver-employer-agreements/) - [Free life insurance](https://www.thorner.co.nz/tag/free-life-insurance/) - [Preferred employer agreements](https://www.thorner.co.nz/tag/preferred-employer-agreements/) - [Reduced KiwiSaver account fees](https://www.thorner.co.nz/tag/reduced-kiwisaver-account-fees/) - [KiwiSaver eligibility](https://www.thorner.co.nz/tag/kiwisaver-eligibility/) - [Employee questions on KiwiSaver](https://www.thorner.co.nz/tag/employee-questions-on-kiwisaver/) - [Grandchildren's KiwiSaver](https://www.thorner.co.nz/tag/grandchildrens-kiwisaver/) - [KiwiSaver for children](https://www.thorner.co.nz/tag/kiwisaver-for-children/) - [understanding KiwiSaver](https://www.thorner.co.nz/tag/understanding-kiwisaver/) - [Laprascopic Surgery](https://www.thorner.co.nz/tag/laprascopic-surgery/) - [Hospital Waiting Lists](https://www.thorner.co.nz/tag/hospital-waiting-lists/) - [Surgery](https://www.thorner.co.nz/tag/surgery/) - [Ability to earn](https://www.thorner.co.nz/tag/ability-to-earn/) - [Quality Of Life](https://www.thorner.co.nz/tag/quality-of-life/) - [Elective Surgery](https://www.thorner.co.nz/tag/elective-surgery/) - [Hip Replacement](https://www.thorner.co.nz/tag/hip-replacement/) - [Knee Replacement](https://www.thorner.co.nz/tag/knee-replacement/) - [Sentinel](https://www.thorner.co.nz/tag/sentinel/) - [Home equity release](https://www.thorner.co.nz/tag/home-equity-release/) - [reverse mortgage](https://www.thorner.co.nz/tag/reverse-mortgage/) - [senior net news](https://www.thorner.co.nz/tag/senior-net-news/) - [interest rates](https://www.thorner.co.nz/tag/interest-rates/) - [home maintenance](https://www.thorner.co.nz/tag/home-maintenance/) - [funding retirement](https://www.thorner.co.nz/tag/funding-retirement/) - [clearing credit card debt](https://www.thorner.co.nz/tag/clearing-credit-card-debt/) - [refinance](https://www.thorner.co.nz/tag/refinance/) - [grownups](https://www.thorner.co.nz/tag/grownups/) - [senior net](https://www.thorner.co.nz/tag/senior-net/) - [Tac credits](https://www.thorner.co.nz/tag/tac-credits/) - [Kiwisaver 2% versus 4%](https://www.thorner.co.nz/tag/kiwisaver-2-versus-4/) - [KiwiSaver changes 1 April 2009](https://www.thorner.co.nz/tag/kiwisaver-changes-1-april-2009/) - [KiwiSaver contribution](https://www.thorner.co.nz/tag/kiwisaver-contribution/) - [Mortgage Wellington](https://www.thorner.co.nz/tag/mortgage-wellington/) - [New Mortgage](https://www.thorner.co.nz/tag/new-mortgage/) - [Low Mortgage Interest Rates](https://www.thorner.co.nz/tag/low-mortgage-interest-rates/) - [Mortgage Interest Rates](https://www.thorner.co.nz/tag/mortgage-interest-rates/) - [Home Ownership](https://www.thorner.co.nz/tag/home-ownership/) - [Purchase House](https://www.thorner.co.nz/tag/purchase-house/) - [Home Lending](https://www.thorner.co.nz/tag/home-lending/) - [No refixing fees](https://www.thorner.co.nz/tag/no-refixing-fees/) - [No transactional bank charges](https://www.thorner.co.nz/tag/no-transactional-bank-charges/) - [Ease the financial squeeze](https://www.thorner.co.nz/tag/ease-the-financial-squeeze/) - [Borrowing](https://www.thorner.co.nz/tag/borrowing/) - [Lending](https://www.thorner.co.nz/tag/lending/) - [Self Employed](https://www.thorner.co.nz/tag/self-employed/) - [Retired](https://www.thorner.co.nz/tag/retired/) - [New Business](https://www.thorner.co.nz/tag/new-business/) - [Self Emplyed](https://www.thorner.co.nz/tag/self-emplyed/) - [Children](https://www.thorner.co.nz/tag/children/) - [Retirement savings](https://www.thorner.co.nz/tag/retirement-savings/) - [Housewife](https://www.thorner.co.nz/tag/housewife/) - [Childrens savings](https://www.thorner.co.nz/tag/childrens-savings/) - [Youth workers](https://www.thorner.co.nz/tag/youth-workers/) - [Contractors](https://www.thorner.co.nz/tag/contractors/) - [PAYE](https://www.thorner.co.nz/tag/paye/) - [Employer subsidy](https://www.thorner.co.nz/tag/employer-subsidy/) - [Employee superannuation](https://www.thorner.co.nz/tag/employee-superannuation/) - [Sovereign](https://www.thorner.co.nz/tag/sovereign/) - [Mortgage](https://www.thorner.co.nz/tag/mortgage/) - [Ease the squeeze](https://www.thorner.co.nz/tag/ease-the-squeeze/) - [Employer agreements](https://www.thorner.co.nz/tag/employer-agreements/) - [Remuneration](https://www.thorner.co.nz/tag/remuneration/) - [IRD default funds](https://www.thorner.co.nz/tag/ird-default-funds/) - [Win a case of Whitehaven wine](https://www.thorner.co.nz/tag/win-a-case-of-whitehaven-wine/) - [KiwiSaver contribution change](https://www.thorner.co.nz/tag/kiwisaver-contribution-change/) - [Level life insurance premiums](https://www.thorner.co.nz/tag/level-life-insurance-premiums/) - [Home Loan interest rate options](https://www.thorner.co.nz/tag/home-loan-interest-rate-options/) - [Fixed mortgage rates](https://www.thorner.co.nz/tag/fixed-mortgage-rates/) - [Mortgage refinance](https://www.thorner.co.nz/tag/mortgage-refinance/) - [Childrens KiwiSaver](https://www.thorner.co.nz/tag/childrens-kiwisaver/) - [Self Employed KiwiSaver Contribution](https://www.thorner.co.nz/tag/self-employed-kiwisaver-contribution/) - [Financial distress](https://www.thorner.co.nz/tag/financial-distress/) - [Budgeting](https://www.thorner.co.nz/tag/budgeting/) - [insurance Excess](https://www.thorner.co.nz/tag/insurance-excess/) - [Wine](https://www.thorner.co.nz/tag/wine/) - [Freebie](https://www.thorner.co.nz/tag/freebie/) - [Invest in Bonds](https://www.thorner.co.nz/tag/invest-in-bonds/) - [Lifestyle survey](https://www.thorner.co.nz/tag/lifestyle-survey/) - [Disability income Insurance](https://www.thorner.co.nz/tag/disability-income-insurance/) - [Trauma Insurance](https://www.thorner.co.nz/tag/trauma-insurance/) - [Under 65](https://www.thorner.co.nz/tag/under-65/) - [mortgage broker](https://www.thorner.co.nz/tag/mortgage-broker/) - [wellington real estate](https://www.thorner.co.nz/tag/wellington-real-estate/) - [debt in retirement](https://www.thorner.co.nz/tag/debt-in-retirement/) - [increasing retirement cashflow](https://www.thorner.co.nz/tag/increasing-retirement-cashflow/) - [age concern news](https://www.thorner.co.nz/tag/age-concern-news/) - [funding medical insurance insurance in retirement](https://www.thorner.co.nz/tag/funding-medical-insurance-insurance-in-retirement/) - [replacing home appliances when retired](https://www.thorner.co.nz/tag/replacing-home-appliances-when-retired/) - [private surgery when retired](https://www.thorner.co.nz/tag/private-surgery-when-retired/) - [downsizing homes](https://www.thorner.co.nz/tag/downsizing-homes/) - [Sentinel Life time Loan](https://www.thorner.co.nz/tag/sentinel-life-time-loan/) - [Medical trauma](https://www.thorner.co.nz/tag/medical-trauma/) - [financial survival](https://www.thorner.co.nz/tag/financial-survival/) - [ongoing mortgage payments](https://www.thorner.co.nz/tag/ongoing-mortgage-payments/) - [stroke](https://www.thorner.co.nz/tag/stroke/) - [heart attack](https://www.thorner.co.nz/tag/heart-attack/) - [terminal cancer](https://www.thorner.co.nz/tag/terminal-cancer/) - [Angioplasty](https://www.thorner.co.nz/tag/angioplasty/) - [Renal failure](https://www.thorner.co.nz/tag/renal-failure/) - [paralysis](https://www.thorner.co.nz/tag/paralysis/) - [multiple sclerosis](https://www.thorner.co.nz/tag/multiple-sclerosis/) - [major burns](https://www.thorner.co.nz/tag/major-burns/) - [meningitis](https://www.thorner.co.nz/tag/meningitis/) - [aortic surgery](https://www.thorner.co.nz/tag/aortic-surgery/) - [Work related HIV](https://www.thorner.co.nz/tag/work-related-hiv/) - [loss of earnings](https://www.thorner.co.nz/tag/loss-of-earnings/) - [treatment expenses](https://www.thorner.co.nz/tag/treatment-expenses/) - [family protection](https://www.thorner.co.nz/tag/family-protection/) - [refinance mortgage](https://www.thorner.co.nz/tag/refinance-mortgage/) - [mortgage in retirement](https://www.thorner.co.nz/tag/mortgage-in-retirement/) - [funding home maintenance](https://www.thorner.co.nz/tag/funding-home-maintenance/) - [property maintenance for elderly](https://www.thorner.co.nz/tag/property-maintenance-for-elderly/) - [nz wide loan service](https://www.thorner.co.nz/tag/nz-wide-loan-service/) - [seniors money](https://www.thorner.co.nz/tag/seniors-money/) - [health insurance](https://www.thorner.co.nz/tag/health-insurance/) - [life insurance costs](https://www.thorner.co.nz/tag/life-insurance-costs/) - [online life insurance](https://www.thorner.co.nz/tag/online-life-insurance/) - [online health insurance](https://www.thorner.co.nz/tag/online-health-insurance/) - [sovereign life insurance](https://www.thorner.co.nz/tag/sovereign-life-insurance/) - [sovereign health insurance](https://www.thorner.co.nz/tag/sovereign-health-insurance/) - [insurance wellington](https://www.thorner.co.nz/tag/insurance-wellington/) - [insurance kapiti](https://www.thorner.co.nz/tag/insurance-kapiti/) - [apply online health insurance](https://www.thorner.co.nz/tag/apply-online-health-insurance/) - [apply online life insurance](https://www.thorner.co.nz/tag/apply-online-life-insurance/) - [insurance quotes](https://www.thorner.co.nz/tag/insurance-quotes/) - [insurance hawkes bay](https://www.thorner.co.nz/tag/insurance-hawkes-bay/) - [insurance wairarapa](https://www.thorner.co.nz/tag/insurance-wairarapa/) - [insurance hutt valley](https://www.thorner.co.nz/tag/insurance-hutt-valley/) - [surgical insurance](https://www.thorner.co.nz/tag/surgical-insurance/) - [dental insurance](https://www.thorner.co.nz/tag/dental-insurance/) - [trauma cover](https://www.thorner.co.nz/tag/trauma-cover/) - [over 55 insurance](https://www.thorner.co.nz/tag/over-55-insurance/) - [Senior Net Discount](https://www.thorner.co.nz/tag/senior-net-discount/) - [lending rates](https://www.thorner.co.nz/tag/lending-rates/) - [Interest rate rise](https://www.thorner.co.nz/tag/interest-rate-rise/) - [death cover](https://www.thorner.co.nz/tag/death-cover/) - [under insured](https://www.thorner.co.nz/tag/under-insured/) - [Free Death Cover](https://www.thorner.co.nz/tag/free-death-cover/) - [20% for free](https://www.thorner.co.nz/tag/20-for-free/) - [limited timeframe offer](https://www.thorner.co.nz/tag/limited-timeframe-offer/) - [nz Life insurance](https://www.thorner.co.nz/tag/nz-life-insurance/) - [teach NZ](https://www.thorner.co.nz/tag/teach-nz/) - [Life Insurance premium structures](https://www.thorner.co.nz/tag/life-insurance-premium-structures/) - [Rate for age](https://www.thorner.co.nz/tag/rate-for-age/) - [Yearly renewable life insurance](https://www.thorner.co.nz/tag/yearly-renewable-life-insurance/) - [Westpac Life insurance](https://www.thorner.co.nz/tag/westpac-life-insurance/) - [ING Life](https://www.thorner.co.nz/tag/ing-life/) - [ANZ Life Insurance](https://www.thorner.co.nz/tag/anz-life-insurance/) - [insurance to expensive](https://www.thorner.co.nz/tag/insurance-to-expensive/) - [cancelling life cover](https://www.thorner.co.nz/tag/cancelling-life-cover/) - [Insurance options](https://www.thorner.co.nz/tag/insurance-options/) - [Fidelity Life insurance](https://www.thorner.co.nz/tag/fidelity-life-insurance/) - [Insurance broker](https://www.thorner.co.nz/tag/insurance-broker/) - [Insurance napier hastings](https://www.thorner.co.nz/tag/insurance-napier-hastings/) - [insurance palmerston north](https://www.thorner.co.nz/tag/insurance-palmerston-north/) - [napier insurance](https://www.thorner.co.nz/tag/napier-insurance/) - [hawkes bay insurance broker](https://www.thorner.co.nz/tag/hawkes-bay-insurance-broker/) - [Direct Insurance](https://www.thorner.co.nz/tag/direct-insurance/) - [ANZ KiwiSaver](https://www.thorner.co.nz/tag/anz-kiwisaver/) - [sorted kiwisaver](https://www.thorner.co.nz/tag/sorted-kiwisaver/) - [kiwiselect](https://www.thorner.co.nz/tag/kiwiselect/) - [tower kiwisaver](https://www.thorner.co.nz/tag/tower-kiwisaver/) - [year end tax](https://www.thorner.co.nz/tag/year-end-tax/) - [KiwiSaver Napier](https://www.thorner.co.nz/tag/kiwisaver-napier/) - [KiwiSaver Hastings](https://www.thorner.co.nz/tag/kiwisaver-hastings/) - [KiwiSaver Wellington](https://www.thorner.co.nz/tag/kiwisaver-wellington/) - [Australian super transfers](https://www.thorner.co.nz/tag/australian-super-transfers/) - [KiwiSaver transfers](https://www.thorner.co.nz/tag/kiwisaver-transfers/) - [Australian retirement](https://www.thorner.co.nz/tag/australian-retirement/) - [Moving to australia](https://www.thorner.co.nz/tag/moving-to-australia/) - [Moving from australia to NZ](https://www.thorner.co.nz/tag/moving-from-australia-to-nz/) - [Australian super questions](https://www.thorner.co.nz/tag/australian-super-questions/) - [KiwiSaver legislation](https://www.thorner.co.nz/tag/kiwisaver-legislation/) - [Westpac KiwiSaver](https://www.thorner.co.nz/tag/westpac-kiwisaver/) - [Leaving New Zealand](https://www.thorner.co.nz/tag/leaving-new-zealand/) - [Denis Thorner](https://www.thorner.co.nz/tag/denis-thorner/) - [MDRT New Zealand membership](https://www.thorner.co.nz/tag/mdrt-new-zealand-membership/) - [Service Excellence](https://www.thorner.co.nz/tag/service-excellence/) - [Need Life insurance](https://www.thorner.co.nz/tag/need-life-insurance/) - [Napier Life Insurance](https://www.thorner.co.nz/tag/napier-life-insurance/) - [Hawkes Bay Life Insurance](https://www.thorner.co.nz/tag/hawkes-bay-life-insurance/) - [Hastings Life Insurance](https://www.thorner.co.nz/tag/hastings-life-insurance/) - [Wairarapa Life insurance](https://www.thorner.co.nz/tag/wairarapa-life-insurance/) - [Wellington Life Insurance](https://www.thorner.co.nz/tag/wellington-life-insurance/) - [Upper Hutt Business Excellence Awards](https://www.thorner.co.nz/tag/upper-hutt-business-excellence-awards/) - [Thorner Financial Services](https://www.thorner.co.nz/tag/thorner-financial-services/) - [Service Excellence in Upper Hutt](https://www.thorner.co.nz/tag/service-excellence-in-upper-hutt/) - [Insurance Upper Hutt](https://www.thorner.co.nz/tag/insurance-upper-hutt/) - [AA Insurance](https://www.thorner.co.nz/tag/aa-insurance/) - [Competative Insurance Quotes](https://www.thorner.co.nz/tag/competative-insurance-quotes/) - [Greypower news](https://www.thorner.co.nz/tag/greypower-news/) - [Seniornet news](https://www.thorner.co.nz/tag/seniornet-news/) - [Super Gold Card Holder supplier](https://www.thorner.co.nz/tag/super-gold-card-holder-supplier/) - [Tower Insurance](https://www.thorner.co.nz/tag/tower-insurance/) - [Insurance non disclosure](https://www.thorner.co.nz/tag/insurance-non-disclosure/) - [Non payment of Sovereign insurance claim](https://www.thorner.co.nz/tag/non-payment-of-sovereign-insurance-claim/) - [Life insurance application](https://www.thorner.co.nz/tag/life-insurance-application/) - [AMP Life insurance](https://www.thorner.co.nz/tag/amp-life-insurance/) - [Sovereign Assurance not paying](https://www.thorner.co.nz/tag/sovereign-assurance-not-paying/) - [No payout for cancer sufferer](https://www.thorner.co.nz/tag/no-payout-for-cancer-sufferer/) - [Medical disclosure](https://www.thorner.co.nz/tag/medical-disclosure/) - [Insurance in New Zealand](https://www.thorner.co.nz/tag/insurance-in-new-zealand/) - [Family medical history](https://www.thorner.co.nz/tag/family-medical-history/) - [Life direct](https://www.thorner.co.nz/tag/life-direct/) - [crest financial brokers](https://www.thorner.co.nz/tag/crest-financial-brokers/) - [Sentinel Lifetime Loan interest rate](https://www.thorner.co.nz/tag/sentinel-lifetime-loan-interest-rate/) - [SBS Home Equity Release](https://www.thorner.co.nz/tag/sbs-home-equity-release/) - [Pension top up](https://www.thorner.co.nz/tag/pension-top-up/) - [Home ownership when retired](https://www.thorner.co.nz/tag/home-ownership-when-retired/) - [KiwiSaver statistics June 2009](https://www.thorner.co.nz/tag/kiwisaver-statistics-june-2009/) - [Free money](https://www.thorner.co.nz/tag/free-money/) - [Pay rise](https://www.thorner.co.nz/tag/pay-rise/) - [join kiwisaver](https://www.thorner.co.nz/tag/join-kiwisaver/) - [kiwisaver advice](https://www.thorner.co.nz/tag/kiwisaver-advice/) - [anz Kiwi](https://www.thorner.co.nz/tag/anz-kiwi/) - [Grosvenor KiwiSaver](https://www.thorner.co.nz/tag/grosvenor-kiwisaver/) - [ING KiwiSaver](https://www.thorner.co.nz/tag/ing-kiwisaver/) - [napier financial](https://www.thorner.co.nz/tag/napier-financial/) - [hastings financial](https://www.thorner.co.nz/tag/hastings-financial/) - [Dannevirke Financial](https://www.thorner.co.nz/tag/dannevirke-financial/) - [Hastings Insurance](https://www.thorner.co.nz/tag/hastings-insurance/) - [Upper Hutt Business Awards](https://www.thorner.co.nz/tag/upper-hutt-business-awards/) - [Million Dollar Round Table New Zealand](https://www.thorner.co.nz/tag/million-dollar-round-table-new-zealand/) - [Sovereign Insurance](https://www.thorner.co.nz/tag/sovereign-insurance/) - [Sentinel LifeTime Loan advisor](https://www.thorner.co.nz/tag/sentinel-lifetime-loan-advisor/) - [Hastings insurance broker](https://www.thorner.co.nz/tag/hastings-insurance-broker/) - [Wairarapa Insurance Broker](https://www.thorner.co.nz/tag/wairarapa-insurance-broker/) - [Hastings Direct Insurance](https://www.thorner.co.nz/tag/hastings-direct-insurance/) - [Wellington mortgages](https://www.thorner.co.nz/tag/wellington-mortgages/) - [Wairarapa Mortgages](https://www.thorner.co.nz/tag/wairarapa-mortgages/) - [Retire in Hawkes Bay](https://www.thorner.co.nz/tag/retire-in-hawkes-bay/) - [Credit card debt in retirement](https://www.thorner.co.nz/tag/credit-card-debt-in-retirement/) - [Clearing mortgages in retirement](https://www.thorner.co.nz/tag/clearing-mortgages-in-retirement/) - [Hawkes bay insurance](https://www.thorner.co.nz/tag/hawkes-bay-insurance/) - [Life direct online insurance quote](https://www.thorner.co.nz/tag/life-direct-online-insurance-quote/) - [Online life insurance application](https://www.thorner.co.nz/tag/online-life-insurance-application/) - [House insurance for retirees](https://www.thorner.co.nz/tag/house-insurance-for-retirees/) - [Retired insurance discounts](https://www.thorner.co.nz/tag/retired-insurance-discounts/) - [Gold Card insurance Discount](https://www.thorner.co.nz/tag/gold-card-insurance-discount/) - [Wellington house Insurance](https://www.thorner.co.nz/tag/wellington-house-insurance/) - [Seniors insurance](https://www.thorner.co.nz/tag/seniors-insurance/) - [Consumer insurance](https://www.thorner.co.nz/tag/consumer-insurance/) - [Insurance direct](https://www.thorner.co.nz/tag/insurance-direct/) - [Cheap Life Cover](https://www.thorner.co.nz/tag/cheap-life-cover/) - [quote life cover now](https://www.thorner.co.nz/tag/quote-life-cover-now/) - [Napier Insurance broker](https://www.thorner.co.nz/tag/napier-insurance-broker/) - [About to reire](https://www.thorner.co.nz/tag/about-to-reire/) - [Financial advice for retirees](https://www.thorner.co.nz/tag/financial-advice-for-retirees/) - [KiwiSaver elegibility](https://www.thorner.co.nz/tag/kiwisaver-elegibility/) - [KiwiSaver advice in Wellington](https://www.thorner.co.nz/tag/kiwisaver-advice-in-wellington/) - [Should I do KiwiSaver](https://www.thorner.co.nz/tag/should-i-do-kiwisaver/) - [IRD KS2](https://www.thorner.co.nz/tag/ird-ks2/) - [Benefits of KiwiSaver](https://www.thorner.co.nz/tag/benefits-of-kiwisaver/) - [Havelock North Insurance Broker](https://www.thorner.co.nz/tag/havelock-north-insurance-broker/) - [Need a car insurance quote](https://www.thorner.co.nz/tag/need-a-car-insurance-quote/) - [Wellington Car Insurance](https://www.thorner.co.nz/tag/wellington-car-insurance/) - [Building insurance NZ](https://www.thorner.co.nz/tag/building-insurance-nz/) - [sentinel loan](https://www.thorner.co.nz/tag/sentinel-loan/) - [sentinel.net.nz](https://www.thorner.co.nz/tag/sentinelnetnz/) - [HBI](https://www.thorner.co.nz/tag/hbi/) - [ing life insurance](https://www.thorner.co.nz/tag/ing-life-insurance/) - [free offer](https://www.thorner.co.nz/tag/free-offer/) - [what does life cover cost](https://www.thorner.co.nz/tag/what-does-life-cover-cost/) - [ING Health Insurance](https://www.thorner.co.nz/tag/ing-health-insurance/) - [Southern Cross Medical Insurance](https://www.thorner.co.nz/tag/southern-cross-medical-insurance/) - [Wellington Medical insurance](https://www.thorner.co.nz/tag/wellington-medical-insurance/) - [Medical costs increase](https://www.thorner.co.nz/tag/medical-costs-increase/) - [Insure Surgical costs](https://www.thorner.co.nz/tag/insure-surgical-costs/) - [Medical Journal](https://www.thorner.co.nz/tag/medical-journal/) - [health insurance claims](https://www.thorner.co.nz/tag/health-insurance-claims/) - [health insurance statistics](https://www.thorner.co.nz/tag/health-insurance-statistics/) - [ADT Alarms](https://www.thorner.co.nz/tag/adt-alarms/) - [Recon professional](https://www.thorner.co.nz/tag/recon-professional/) - [monitored alarms](https://www.thorner.co.nz/tag/monitored-alarms/) - [burglary claim](https://www.thorner.co.nz/tag/burglary-claim/) - [State Insurance](https://www.thorner.co.nz/tag/state-insurance/) - [House insurance](https://www.thorner.co.nz/tag/house-insurance/) - [intruder alarms](https://www.thorner.co.nz/tag/intruder-alarms/) - [alarm monitoring new zealand](https://www.thorner.co.nz/tag/alarm-monitoring-new-zealand/) - [stolen goods](https://www.thorner.co.nz/tag/stolen-goods/) - [alarm costs](https://www.thorner.co.nz/tag/alarm-costs/) - [insurance discounts](https://www.thorner.co.nz/tag/insurance-discounts/) - [Mike Pero home loans](https://www.thorner.co.nz/tag/mike-pero-home-loans/) - 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