New Zealand’s public healthcare system provides a strong foundation for health services, but private health insurance offers valuable enhancements that can significantly improve access to care and overall well-being.
ARTICLES FROM SPRATT FINANCIAL GROUP
Have you been wondering what we’ve been up to? Check out the articles below for some great stories about events we have been proud to be a part of, and read some expert tips on how to make your money work for you.
Check back here for updates across topics from building the right insurance plan to ways that you can protect your family through volatile times.
Spratt Financial has its finger on the pulse of the financial landscape – stay in touch to keep abreast of news that matters for your money.
7 Insurance Myths Debunked: Common Misconceptions About Insurance Coverage in New Zealand
In this article, we aim to debunk 7 of the most common Insurance myths about risk insurance coverage (life insurance, health, income protection, mortgage coverage, permanent disability etc) for
The Importance of Medical Insurance: A $169,000 medical claim
Spratt Insurance Brokers recently processed a medical insurance claim that exemplifies the significance of having adequate coverage, providing a stark reminder of the potential financial devastation without it, one
The Insurance Advice We Give
With over 30 years of experience in the insurance field, our team specialises in problem-solving to ensure your financial independence remains intact during unexpected events and especially during challenging
Insurance Claims: The Importance of Having a Will
Throughout our 30 years of experience in the Insurance marketplace, there are a few key things that we always advise our clients to look into regarding their insurance. One
Life and Risk Insurance – An Overview of the Benefits and Options
Life insurance is an important type of insurance that can help provide financial protection for loved ones in the event of the policyholder's death. In New Zealand, there are
Special Events Clauses – Should you review your Insurance cover?
Over the past years, most of us have gone through massive life changes. The Covid-19 pandemic impacted our lives for years and now we are coming out of a
Attraction and Retention – Solving an Employer Challenge in 2022.
Small and Medium Sized Businesses (SME’s) are the lifeblood of the New Zealand economy, with over 470,000 SME’s employing over 584,000 staff. Much has been made recently of the
Insurance advice and tips from the Spratt Financial team
Insurance works best when it is used as the foundation for a plan that will protect a business, family or estate that is confronted by serious illness, long term
Insurance reform more urgent, not less, in the light of lockdown mental health distress
Spratt Insurance Brokers Head of Practice Allan Mearns is quoted in this article from Alison Mau about the new mental health benefit offering from NIB and how it might
New Important Mental Health Benefit from NIB
We are pleased to inform you about a recent addition by NIB of an important mental health support package to their healthcare policies. With all the uncertainty for business owners and their staff members that
COVID-19 and your Insurance: What is Covered?
In the wake of the extraordinary circumstances and the impact of COVID-19 on all facets of our lives, Spratt Financial Group is here to provide information on your insurance
Smokers and insurance: How much you can save by quitting
With the latest cigarette and tobacco price increase having taken effect and plain packaging now fully mandatory throughout New Zealand, it’s more important than ever to consider the possible
Staying Healthy: Handy weight loss tips
Staying healthy and in good shape is its own reward, but it comes with additional benefits as well. When it comes to your insurance for instance, staying healthy can
Answers to insurance frequently asked questions (FAQ)
WHAT DO VARIOUS TYPES OF INSURANCE PROVIDE FOR? Health Insurance: Health Insurance is a form of cover which pays for medical costs, and makes it easier for you to
The Benefits of Using an Insurance Adviser (Part One)
1. Insurance Mistakes Can be Costly. While we can sometimes think of insurance as being a simple matter, it can be far more complicated than we think. Unfortunately, the costs
AIA Vitality: Premium discounts and amazing rewards
AIA Vitality is an award-winning health and wellbeing program which is offered to AIA clients who hold any eligible AIA health or life insurance policies. Terms and conditions apply,
New Sovereign & AIA trauma insurance enhancements explained
There is good news for Sovereign and AIA trauma insurance policyholders – as of March 12th 2019 your trauma policies have been enhanced with a number of additional benefits
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
Reminder: Earn Airpoints on your AIA and Sovereign Premiums
AIA Insurance is offering eligible policy holders Airpoints dollars for payments on your insurance premiums. Airpoints are Air New Zealand’s unique flight rewards programme that rewards its members with
Top Tips for Kiwisaver Success
Your KiwiSaver can be the most crucial financial tool at your disposal to ensure that your future and lifestyle is comfortable, prosperous and happy – however, many people don’t
The history and origins of insurance
HOW DID INSURANCE BEGIN AND WHERE DID IT COME FROM? Perhaps surprisingly, insurance as a concept has been around as long as humankind in some form of fashion. Insurance
Are all your roles and responsibilities in life financially covered?
ARE ALL YOUR ROLES AND RESPONSIBILITIES IN LIFE COVERED? In life we all have our roles to play and our hats to wear, so to speak. Some of us
Southern Cross Policyholders – Sign up for My Southern Cross Online today
My Southern Cross is our secure, online service that lets members manage their policy 24/7. Through this online service, if you are a southern cross policyholder, you can: make
Investment/Kiwisaver: How to check and confirm your PIR
A prescribed investor rate (PIR) is the rate used to calculate how much tax you’ll pay on your portfolio investment entity (PIE) taxable income. Your Investment/KiwiSaver often has a PIE component
Building an insurance plan to protect your business and estate
THE RIGHT INSURANCE PLAN IS CRUCIAL TO PROTECT YOUR BUSINESS OR ESTATE If you are the owner of an estate or you manage a business, have you ever thought
Henderson Rotary Golf Day 2019
Spratt Financial Group was proud to be a part of the Henderson Rotary Golf Day to support worthy charities, including the Starship Children’s Hospital. The event was held on
The Public Healthcare System and How it Relates To Your Private Health Insurance Decisions.
New Zealand’s public healthcare system provides a strong foundation for health services, but private health insurance offers valuable enhancements that can significantly improve access to care and overall well-being.
7 Insurance Myths Debunked: Common Misconceptions About Insurance Coverage in New Zealand
In this article, we aim to debunk 7 of the most common Insurance myths about risk insurance coverage (life insurance, health, income protection, mortgage coverage, permanent disability etc) for
The Importance of Medical Insurance: A $169,000 medical claim
Spratt Insurance Brokers recently processed a medical insurance claim that exemplifies the significance of having adequate coverage, providing a stark reminder of the potential financial devastation without it, one
The Insurance Advice We Give
With over 30 years of experience in the insurance field, our team specialises in problem-solving to ensure your financial independence remains intact during unexpected events and especially during challenging
Insurance Claims: The Importance of Having a Will
Throughout our 30 years of experience in the Insurance marketplace, there are a few key things that we always advise our clients to look into regarding their insurance. One
Life and Risk Insurance – An Overview of the Benefits and Options
Life insurance is an important type of insurance that can help provide financial protection for loved ones in the event of the policyholder's death. In New Zealand, there are
Special Events Clauses – Should you review your Insurance cover?
Over the past years, most of us have gone through massive life changes. The Covid-19 pandemic impacted our lives for years and now we are coming out of a
Attraction and Retention – Solving an Employer Challenge in 2022.
Small and Medium Sized Businesses (SME’s) are the lifeblood of the New Zealand economy, with over 470,000 SME’s employing over 584,000 staff. Much has been made recently of the
Insurance advice and tips from the Spratt Financial team
Insurance works best when it is used as the foundation for a plan that will protect a business, family or estate that is confronted by serious illness, long term
Insurance reform more urgent, not less, in the light of lockdown mental health distress
Spratt Insurance Brokers Head of Practice Allan Mearns is quoted in this article from Alison Mau about the new mental health benefit offering from NIB and how it might
New Important Mental Health Benefit from NIB
We are pleased to inform you about a recent addition by NIB of an important mental health support package to their healthcare policies. With all the uncertainty for business owners and their staff members that
COVID-19 and your Insurance: What is Covered?
In the wake of the extraordinary circumstances and the impact of COVID-19 on all facets of our lives, Spratt Financial Group is here to provide information on your insurance
Smokers and insurance: How much you can save by quitting
With the latest cigarette and tobacco price increase having taken effect and plain packaging now fully mandatory throughout New Zealand, it’s more important than ever to consider the possible
Staying Healthy: Handy weight loss tips
Staying healthy and in good shape is its own reward, but it comes with additional benefits as well. When it comes to your insurance for instance, staying healthy can
Answers to insurance frequently asked questions (FAQ)
WHAT DO VARIOUS TYPES OF INSURANCE PROVIDE FOR? Health Insurance: Health Insurance is a form of cover which pays for medical costs, and makes it easier for you to
The Benefits of Using an Insurance Adviser (Part One)
1. Insurance Mistakes Can be Costly. While we can sometimes think of insurance as being a simple matter, it can be far more complicated than we think. Unfortunately, the costs
AIA Vitality: Premium discounts and amazing rewards
AIA Vitality is an award-winning health and wellbeing program which is offered to AIA clients who hold any eligible AIA health or life insurance policies. Terms and conditions apply,
New Sovereign & AIA trauma insurance enhancements explained
There is good news for Sovereign and AIA trauma insurance policyholders – as of March 12th 2019 your trauma policies have been enhanced with a number of additional benefits
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
Reminder: Earn Airpoints on your AIA and Sovereign Premiums
AIA Insurance is offering eligible policy holders Airpoints dollars for payments on your insurance premiums. Airpoints are Air New Zealand’s unique flight rewards programme that rewards its members with
Top Tips for Kiwisaver Success
Your KiwiSaver can be the most crucial financial tool at your disposal to ensure that your future and lifestyle is comfortable, prosperous and happy – however, many people don’t
The history and origins of insurance
HOW DID INSURANCE BEGIN AND WHERE DID IT COME FROM? Perhaps surprisingly, insurance as a concept has been around as long as humankind in some form of fashion. Insurance
Are all your roles and responsibilities in life financially covered?
ARE ALL YOUR ROLES AND RESPONSIBILITIES IN LIFE COVERED? In life we all have our roles to play and our hats to wear, so to speak. Some of us
Southern Cross Policyholders – Sign up for My Southern Cross Online today
My Southern Cross is our secure, online service that lets members manage their policy 24/7. Through this online service, if you are a southern cross policyholder, you can: make
Investment/Kiwisaver: How to check and confirm your PIR
A prescribed investor rate (PIR) is the rate used to calculate how much tax you’ll pay on your portfolio investment entity (PIE) taxable income. Your Investment/KiwiSaver often has a PIE component
Building an insurance plan to protect your business and estate
THE RIGHT INSURANCE PLAN IS CRUCIAL TO PROTECT YOUR BUSINESS OR ESTATE If you are the owner of an estate or you manage a business, have you ever thought
Henderson Rotary Golf Day 2019
Spratt Financial Group was proud to be a part of the Henderson Rotary Golf Day to support worthy charities, including the Starship Children’s Hospital. The event was held on