Investment updates | Thorners

An innovative Life Insurance product has entered the market where one policy option is to have a full premium refund after 10 years. Other options include the ability to continue with a certain level of cover, with the option to get a premium 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

After just one year of KiwiSaver some amazing membership statistics are… 673,942 members at the end of June 2008; 429,621 opted in via an employer or provider; 244,321 automatically enrolled; 27% of members are under 25 years of age; The Continue Reading

KiwiSaver Mortgage Diversion is almost with us. Many KiwiSaver members become eligible after contributing for 12 months and final sign off by the Bank’s and Government is expected shortly. Mortgage Diversion will allow up to half of a Continue Reading

Recent claims data has shown Multi-boxes are a convenient way of providing electricity to applicances and generally speaking are relatively safe. However, they do pose a danger when overloaded or over-used. Wear and tear on multi-boxes can be 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 Premium Refund Option

Life and Medical Insurance Disclosure at Application Stage

Disclosure is no duty – it’s about being honest

KiwiSaver Statistics – one year on

KiwiSaver Mortgage Diversion

Increase in fires caused by multi-boxes!!

Case Study – Health Insurance

Case Study – Living Assurance

Case Study – Disability Income Protection

Case Study – Life Cover Benefit

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