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Year-end insurance check-up: Are you prepared for a secure future?

With a new year upon us, you might be thinking about your needs and goals. Now can be an ideal time to take stock, look ahead, and check that your future is protected.

To guide you through your year-end insurance check-up, here are some key questions to consider. And if you’d like to discuss your circumstances in more detail, remember: we’re always here to help.

Have things changed in your life?

Life never stands still, so make sure you kick off your insurance check-up with a bit of a life inventory.

A marriage, the birth of a child, buying a new home, or a change in income – any of these changes can trigger the need for an insurance review, to check whether your cover is still the right fit for your situation. 

Not quite sure where to start? Book in a meeting with us: we can assess your current circumstances together and clear up any questions you might have.

Has your budget changed?

For many New Zealanders, things are getting a bit tight with inflation and high-interest rates. Now more than ever, it’s crucial to make every dollar count.

That’s another reason why you may want to take a closer look at your insurance plan. A year-end check-up can help you balance cost and protection to ensure you’re not paying for what you no longer need, while still having enough coverage for your peace of mind.

Once again, before making any changes to your insurance policies, don’t hesitate to contact us. We’re in your corner. 

Have you quit smoking?

If you used to smoke when you took out cover, and it’s been over a year since you’ve kicked the habit for good – congratulations! Not only is this great for your health, but it can be awesome for your wallet too when it comes to life and health insurance premiums.

Smokers generally face higher insurance premiums than non-smokers, because they’re considered to be higher risk. But if you’ve quit for at least 12 months, you can submit a non-smoker declaration to your insurer and ask to switch to non-smoker premiums (potentially saving hundreds of dollars). Like to know more? Get in touch. 

Are you working hard towards big goals?

Dreaming big for the year ahead? Whether it’s saving more money, living a healthier life, or building a deposit for your first home – personal insurance is also about protecting those all-important goals. 

For example, if getting in tip-top shape is on the agenda, you may like to know that some insurers offer benefits like gym discounts or rewards for hitting your fitness goals. And for the soon-to-be homeowners and family planners, it’s worth checking that your insurance plan will protect your hard-earned savings and look after the ones you love. 

What will 2024 bring?

No one knows for certain what the future holds. But you can take steps to protect your finances from your most likely risks. If you’d like to talk about it, get in touch. We’re here for your questions.

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.