No Advice / Advice Comparison

18. April 2016 08:26 by Kelly in   //  Tags:   //   Comments (0)

As we highlighted in our recent workshop there are advantages and disadvantages to different channels. Typically with a direct or vertically integrated channel you get a simpler application process and fast fulfillment. In other words, it is convenient. With most insurance sold through financial advisers the process takes more time and is more complex, but the resulting product coverage is greater. The table below summarises the difference (in aggregate, for one scenario). 

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OnePath New Agreed Value Income Cover Replacement Ratios

15. April 2016 08:10 by Kelly in   //  Tags: ,   //   Comments (0)

OnePath have recently announced the following changes to their Agreed Value Income Cover Replacement Ratios:

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Cancer Series: Prostate Cancer

14. April 2016 08:23 by Kelly in   //  Tags:   //   Comments (0)

In a five-part series NZ Herald's health report Martin Johnston investigates controversies in cancer testing and treatment and moving stories of NZ people afflicted with the disease.

In NZ this year, more than 20,000 people will have a cancer diagnosis registered, and about 9,000 will die.

This article is the fifth and final of the series, and covers Prostate Cancer.

Cancer Series: Melanoma

13. April 2016 10:12 by Kelly in   //  Tags:   //   Comments (0)

In a five-part series NZ Herald's health report Martin Johnston investigates controversies in cancer testing and treatment and moving stories of NZ people afflicted with the disease.

In NZ this year, more than 20,000 people will have a cancer diagnosis registered, and about 9,000 will die.

This article is the fourth of the series, and covers Melanoma.

Cancer Series: Lung Cancer

12. April 2016 08:20 by Kelly in   //  Tags:   //   Comments (0)

In a five-part series NZ Herald's health report Martin Johnston investigates controversies in cancer testing and treatment and moving stories of NZ people afflicted with the disease.

In NZ this year, more than 20,000 people will have a cancer diagnosis registered, and about 9,000 will die.

This article is the third of the series, and covers lung cancer.

Cancer Series: Bowel Cancer

11. April 2016 08:20 by Kelly in   //  Tags:   //   Comments (0)

In a five-part series NZ Herald's health report Martin Johnston investigates controversies in cancer testing and treatment and moving stories of NZ people afflicted with the disease.

In NZ this year, more than 20,000 people will have a cancer diagnosis registered, and about 9,000 will die.

This article is the second of the series, and cover bowel cancer.

Cancer Series: Breast Cancer

8. April 2016 08:11 by Kelly in   //  Tags:   //   Comments (0)

In a five-part series NZ Herald's health report Martin Johnston investigates controversies in cancer testing and treatment and moving stories of NZ people afflicted with the disease.

This year, more than 20,000 people will have a cancer diagnosis registered, and about 9000 will die.

This article is the first of the series, and cover breast cancer.

"Today, the Herald begins a five-day cancer series. We look at controversies in cancer screening and treatment, we investigate high-cost cancer medicines not funded by the Government, and we interview a number of people with cancer, some whose outlook is grim, others who have experienced remarkable remissions."

The Obese-Asthma Phenotype

5. April 2016 08:16 by Kelly in   //  Tags:   //   Comments (0)

Rahul Nawander, Senior Consultant, Underwriting Research and Policy Development at RGA International Corporation has written this document outlining that obesity is now a major risk factor for asthma. 

"Obesity (body mass index > 30), already a known risk factor for hypertension, Type 2 diabetes, atherosclerosis and some forms of cancer, now presents with significant evidence as a major risk factor for asthma. Obesity-associated asthma presents a distinct clinical phenotype distinguished by later onset, higher prevalence in females, more symptoms than classic atopic asthma and with a relatively low degree of eosinophilic inflammation", says Nawander. 

Click here to read the full article.

nib Rate Changes Live on Quotemonster

4. April 2016 14:33 by Kelly in   //  Tags: , ,   //   Comments (0)

nib rate changes effective from 1st of April are now live on Quotemonster. Their rates for Ultimate Health and Ultimate Health Max have gone up by about 7.5%.

Diana Clement on Youi: A Tale of Unhappy Clients

4. April 2016 09:04 by Kelly in   //  Tags:   //   Comments (0)

Diana Clement has this lengthy piece following up a piece which details a number of complaints about Youi's sales processes. The fact that the story includes contributions from former staff and clients who are happy to be quoted underlines makes it look like more than the odd problem. Stories of reducing the sum insured are a concern. With property insurance I know that most insurers are very careful to get clients to work through a calculator or obtain some independent input into what the property might be worth - underinsuring is likely to create a lot of trouble at claim time. Well worth a read. Link

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