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Estate Planning and Insurance

by Steve Munro - Guest Contributor 16 Aug 24

When we think about life insurance, our minds often go straight to a one-off lump sum payout designed to pay off the mortgage, ensuring that your family won’t be left without a roof over their heads if you or your partner were to pass away...

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Do health and risk insurers actually pay out when you make a claim?

by Steve Munro - Guest Contributor 10 Jul 24

When most people think of insurance, they think about the cost. I guess it's because you see the premium evaporating from your bank account every month. More critically, in these present times, it's tough – what I call the "everything crisis" (the cost of living,..

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  Life Insurance Demystified

by Steve Munro - Guest Contributor 29 Apr 24

I recently held a webinar which explains how to integrate life insurance with your financial goals – something that should be of interest to property investors, businessowners, salaried people, and the self-employed. You may now be thinking: How can life insurance assist with financial goals?..

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Mind the Gap: Understand the ACC Cap!

by Steve Munro - Guest Contributor 08 Nov 23

As an insurance adviser and a property investor, I’ve often felt like a circus performer, juggling every dollar amidst soaring interest rates. Life's unpredictability remains the one constant through it all.The ACC Reality CheckMany perceive the Accident Compensation Corporation (ACC) as a beacon. However, contrary..

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  How far does your health insurance really go?

by Steve Munro - Guest Contributor 20 Jun 23

No matter what business you are in (property investment, self-employed, salaried, or retired), health insurance should be part of your risk mitigation strategy. Consider this question: How much would you pay to live for an extra year? If you are diagnosed with serious illness, the..

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  The 7 Deadly Sins of Health Insurance & Life Insurance

by Steve Munro - Guest Contributor 19 Aug 22

If you are in business, have debt, or need to work to earn an income, you probably already know it’s a good idea to have risk nsurance (health, life, trauma, income protection etc.). What you possibly don’t know, is that you are likely entitled to..

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House insurance costs on the move - what you need to know

by Initio Insurance - Guest Contributor 12 Oct 22

With the Government earthquake levy increasing by 60% on 1 October 2022, escalating rebuild values, and insurers adjusting their premiums, it’s a good time to check your house insurance.  Here’s the low-down and some tools to help you.  In recent years we have seen significant..

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Sunset Clause - off-the-plan sales

by Mark Honeybone - Guest Contributor 17 Feb 22

Many people who have bought an investment property over the past 12 months have been forced to buy a new build due to the government’s current rules:• Healthy Home requirements• Lower LVR for new builds (20% deposit rather than the 40% required for second-hand properties) • The ability to claim..

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Impact of new legislation on property investors and tenants

by Mark Honeybone - Guest Contributor 21 Jul 21

There have been many changes to legislation affecting property investors over the past 4½ years. We have had:•  Healthy Homes Standards•  Loan-to-value ratio (LVR) changes•  Requirement for heat pumps•  Loss of claiming interest as an expense How have property investors reacted and what has happened? Before I..

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