Bolster Risk Management – Simplifying financial risk, insurance and investments for you.
Monthly paying disability payments. It can be great cover. It can also be a minefield. What is agreed value? What does indemnity mean? And why is ACC in the title?? Key Points: Purpose of disability insurance Indemnity versus Agreed Value
Mental health awareness week was here in NZ recently. Money stress effects 22% of people every day. A further 25% worry about money weekly. Anxiety comes from looking at the future and being uncertain, of not being able to clearly
“Loads of doh” or “too much” may be your first thought. How much is “too much”? Money is a representation and transfer of value. What is value in this instance? Is the job that is done by the insurance agent,
You get munted in a car crash. You’re on life support for 6 months. Your spouse can’t access your personal insurance because technically you are still alive, but you are in a coma and cannot sign the policy. You are
TPD, as it is sometimes known, is a work-dependent benefit. This means that it pays if you are never able to work again. That is the permanent part. But – there is a ‘but’, it may not be entirely that
The Richest Man in Babylon is a small book that sets out a nice narrative showing people how to build and protect wealth. There are two overlapping themes in the book “Seven Cures for a Lean Purse” and “Five laws
Buying life insurance is not like buying a pair of sexy shoes. You can’t wear your life insurance policy like a fashion item. You can’t drive it like a new car from a dealer. You can’t eat it like fine
I was asked recently if Bolster Risk Management can help businesses directly with fleet and plant or liability insurance. The short answer is no, we don’t do commercial insurance. However, I’ll open up that response in more detail below. Risk
Yesterday I was listening to a well-known finance commentator. They were saying that they didn’t agree with a caller who’d been advised they need a million dollars in savings for retirement. One of the clear things that we are taught
Some of the people I talk with wonder how quickly insurance companies pay claims. As with many things to do with personal insurance, that answer is ‘it depends’. … Read More
