ARTICLES FROM SPRATT FINANCIAL GROUP

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.

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

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

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

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 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

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

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 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

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

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

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

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 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

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

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 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,

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

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

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

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

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 COVERED? In life we all have our roles to play and our hats to wear, so to speak. Some of us

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

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

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

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

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.

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

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

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

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 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

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

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 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

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

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

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

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 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

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

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 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,

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

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

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

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

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 COVERED? In life we all have our roles to play and our hats to wear, so to speak. Some of us

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

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

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

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