Bolster Risk Management

"Do I need to declare that I smoke?"

Whether you smoke cigarettes, cigars, pipes, vape, or use nicotine replacement patches (or chew nicotine gum), you need to declare this to the insurance company.

If you don't have insurance, you'll need a full risk review to understand your current situation.

If you currently have cover, then doing a full review should be done every 2-3 years, or whenever there are major 'life changes'.

One of the things that savings, loan payments, mortgages, KiwiSaver and the Consumer Price Index have in common is Compound Interest yet most people don't know what it is and how it works. In fact, most people would say what has it got to do with me ... more

Personal insurance: The policyholder versus the beneficiary.

The policyholder can make decisions about the policy, and need to authorise any changes.

The beneficiary receives the benefit (for example, the life insurance amount)

Recently we had International Women’s Day and the Financial Services Council of New Zealand (FSC) encouraged businesses to promote and discuss women and money in the finance sector. This is important and relevant but is difficult for me to write abou... more

I was going to call this article “IP for Dummies”, but figured there might be some trademark issues. It is not something we often think about, but what would you do if you became sick and were unable to work? You may have heard about Income Protectio... more

We often hear the words ‘rising inflation’ and ‘rising interest rates’ but do we really understand these terms and the impacts they can have on us financially? What is inflation anyway and what does it have to do with the price of fish or the price o... more

We have all heard about KiwiSaver and despite having over 3 million members it would appear that confusion and lack of understanding of how it works is the most common talking point.

By the end of the March 2021 financial year, New Zealanders had i... more