Category - Articles



INVESTMENT Five new year’s financial resolutions and how to keep them.We all make resolutions in the excitement of a New Year, full of vigour and determination. Unfortunately, they can often fade as the demands and responsibilities of another year wears on. This year though, we can help you make some financial resolutions which are achievable, …


Insurance Frequently Asked Questions

Here are the most common questions, and our responses that Nicola Jones Insurance gets from new and existing clients;   Do I really need risk insurance? Health Insurance: Although it may seem easy to adopt a standpoint of ‘it won’t happen to me’ as it relates to insurance, it is an unfortunate statistical fact that …


Tomorrow’s Plan

When it comes to money, many of us like to have things that are useful and valuable; a nice car to get around in, a home in a good street, a large TV to watch the game on or the latest smartphone and tablet… the list goes on. We also see the value in protecting …


Hidden Clauses in your Life Insurance Policy – in a good way….

Many of us have insurance policies, but not many of us know just how much we can get out of the policies we already have. What many people do not know is that there may be clauses in your policy that allow you to react to changes in your life to become better protected than …


A Snapshot of Insurance Claims…

Here are some facts around claims and policies which may help you navigating the tricky waters of insurance: 1. 16% of Life Insurance claims are paid out early for Terminal Illness. Some may be unaware that your life insurance can be paid out before the policy holder’s death in the event that they are diagnosed …


Tragic tale sparked trauma insurance

TRAUMA INSURANCE: Designed to relieve the financial hardship that can come with a big health shock. South African surgeon Marius Barnard went down in history as part of the team, led by his brother Christiaan, which performed the first human heart transplant operation in 1967. But he was also the creator of a kind of …


How to Limit the Cost of Health and Income Insurance

All New Zealanders want their families and financial health to be protected when their physical health lets them down. New Zealand enjoys an outstanding public health system, supported by ACC, but these schemes do have limitations. As the public system tries to cope with population pressures it has to ration access to services. By contrast …


When she felt the lump in 2012, she wished she had private health insurance…

Andrea Macnee is frustrated with the long wait for breast reconstruction surgery. Photo / Christine O’Connor A Dunedin woman who had a mastectomy more than two years ago is ”unbelievably frustrated” with the scores of people waiting for breast reconstruction surgery at Dunedin Hospital. Andrea Macnee, 33, found a lump on her left breast in …


Do You Need Income Protection Insurance?

If you couldn’t work due to a serious illness, how would you manage?  Could you survive on savings, or on your sick pay from work?  If not, you’ll need some other way to keep paying the bills – and you should consider income protection insurance. Income protection insurance pays a monthly income during a period …


What is Melanoma?

Melanoma is possibly the most serious form of skin cancer and can begin within an existing mole or can also appear out of the blue.   Melanoma is known to spread very quickly once it penetrates below the surface of the skin, which means it is very important to identify Melanoma as early as possible.  …

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