Case Studies

Article courtesy of the Dom Post – note the comment from the Insurance Ombudsman. The family of slain cyclist Frank van Kampen will be able to stay in their home after an insurance company backtracked on its decision not to pay out on his Continue Reading

The Rates Rebate Scheme operated by the Department of Internal Affairs through local councils provides rates relief for low income homeowners. The maximum rebate for the 2008/09 rating year has been increased to $530 for those earning $21,180 Continue Reading

Many of us rush through the Life or Medical Insurance application form without considering the content of the medical history questions. To our detriment at claim time , the insurer may find a history of non disclosed medical issues and either Continue Reading

In our opinion many people out there don’t really know what they are signing when they enter into a contract for insurance, or for that matter any other agreements for the provision of goods and services. Signing a contract is all so mundane Continue Reading

Roger is 40, has two young children and a wife to support. When undergoing his routine medical for his truck drivers licence he was found to have high blood pressure. Eight months later Roger started experiencing angina. Over the next 18 months Continue Reading

In July 2002 Mary was a 30 year old healthy librarian who had no need for extensive cover but was looking for peace of mind so she added $75,000 Living Assurance cover to her protection plan. Two years later during a routine blood test the Continue Reading

Mark is an auto glazier who started his own business after gaining 15 years industry experience. After trading for one year he suffered a lower back injury which put him out of work. Through his Risk Protection Plan, Mark was entitled to an Continue Reading

Petra was 41 years old. She worked in the financial industry and part of her employment package had life cover provided by an employer chosen insurer. In May 1997, she went to the doctor as she had been feeling unwell for some time. The doctor Continue Reading

Life Insurance non disclosure – don’t let this happen to your family at claim time

Rates Rebate Scheme increases rebates and extends eligibility criteria

Life and Medical Insurance Disclosure at Application Stage

Disclosure is no duty – it’s about being honest

Case Study – Health Insurance

Case Study – Living Assurance

Case Study – Disability Income Protection

Case Study – Life Cover Benefit

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