Online Will Maker – Use Ease Insurance’s Online Will Services

Protect Your Loved Ones with an Online Will maker

Do you find it hard to stay switched on when someone talks to you about life insurance? What about when they talk to you about the importance of having a Will?

Unfortunately, far too many people put off sorting either life insurance or writing a valid Will, until it’s too late. As a result, those left behind often end up having to deal with all sorts of negative consequences at a time when they’re grieving. Even worse, all of the associated heartache and trouble they experience when a loved one dies without having written a proper Will could have been easily avoided simply by Ease Insurance’s online will services. If you haven’t yet sorted your Will, take action now to get a Will online.

Online Will preparation is part of sound financial planning.

Setting up a Will online, much like getting life insurance, budgeting or building a retirement fund, is simply part and parcel of having a sound financial plan. After all, wouldn’t you say that taking actions to look after the long-term well-being of your loved ones, especially those who depend on you is paramount; should you come into harm’s way?

If you die without a Will no-one will know your wishes of dealing with your possessions and assets. Furthermore, if you die without a legal will then the intestacy laws of the country in which you live will determine what happens with your property, irrespective of what you really might have wanted to happen with your assets.

This could cause a whole lot of unnecessary stress for your loved ones at a most difficult time. It may even result in them having to face a long delay in sorting out your estate, which would mean that they don’t get access to the money or other assets from your estate at a time when they most need them.

When should I create a Will online?

While most people know they should have a Will, many don’t have one – or they wait until they get a mortgage, have a child or reach some other significant milestone in their lives before they think about getting a Will. Of course, it’s perfectly wise to review things like your life insurance cover & will at every significant life-event, such as births, divorces and marriages, changes in financial situation, retirement and so on.

However, when it comes to actually get your Will sorted, you can fill out an online Will at any time. In fact, you should do so as soon as you start living independently and earning a living, but especially once you turn 18. What’s more, it’s easy to get a quick Will online these days, so why wait and run the risk of leaving your loved ones in a difficult situation if you should suddenly and unexpectedly die?

So, if you are over the age of 18, do you have a legally valid Will?

Look after the future well-being of your loved ones with our online Wills service

If you are serious about wanting to make sure your loved ones are properly looked after according to your wishes when you’re no longer around, then it’s important to ensure you have a valid and up-to-date Will. Doing so is incredibly simple with Ease Insurance’s online Wills service.

In addition to offering our clients access to a wide range of insurance products we also offer you the ease and convenience of setting up a Will online. Visit our Will page to find out more about our hassle-free online Will forms.


Fixed price Life Insurance premiums

No body likes to get a price increase letter from their insurance company, but most of us will get one.
Did you know that in your 50’s you can be getting increases of about 15% per year ?
This means that your life insurance is going to double in price every 6 years.
Think about it, paying double what you are paying now, its not a nice thought.
Wouldn’t it be nice if there was a fixed price life insurance premium you could have that takes away the surprise of an increase each year.

The reason your Life Insurance is increasing is because the most common type of Life insurance policy that you own automatically increases in price every year.  This type of premium is called “rate for age” or “stepped” and most life insurance policies sold today will be this way, the premium is linked to your age, so the older you get the more expensive your Life Insurance becomes.

When you arranged the Life Insurance the person probably didn’t even explain that you had an option on how the premium is calculated. You may find this annoying, and rightly so, the price of your insurance will start off affordable, but will eventually become very expensive. So over the life of the policy you will pay a lot of money.
Thats great for the insurance company, but not so great for you.

But there is another option, and its called a level premium, Level Life Insurance or Fixed price Life Insurance Premiums.

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How much does redundancy insurance cost

Redundancy Insurance Cover in New Zealand is an insurance policy that will pay you a monthly income if you get made redundant from your job, but how much does Redundancy Insurance cost ?

It is a common misconception is that it is a very expensive type of insurance.  The cost will vary depending on how much insurance you arrange.

A redundancy insurance policy is a type of agreed value income protection insurance.
Each insurance company uses a calculation to work the amount of insurance they are prepared to offer you.

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3 Ways Personal Risk Insurance Can Help You Avoid Defaulting On Your Home Loan

Whether you’re a first home buyer or looking to add another property to your portfolio, there’s no denying that purchasing a house is one of the biggest investments you’ll ever make in your life.

With this in mind, it’s important to think about what you can do to minimise the risks involved. Popular advice stipulates that the value of the house you buy should be significantly lower than the mortgage you’re approved for, but in New Zealand’s housing market this is rarely practical. In fact, many homebuyers are financially stretched to the max, leaving them financially vulnerable if anything were to happen to disrupt their income stream.

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Why Do You Need Income Protection Insurance if NZ Already Has ACC?

How would you and your family cope if you were no longer able to work? Even if you’ve saved up a healthy emergency fund, chances are the loss of regular income would have a big impact on your standard of living.

As leading insurance brokers in the Auckland, Tauranga and Hamilton regions, we want to shed some light on the benefits of income protection insurance and how it differs from the financial assistance provided by ACC and the sickness benefit.

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4 Critical Personal Risk Insurance Mistakes to Avoid

Most people are well aware of the importance of home and vehicle insurance, but there’s a certain mental blind spot when it comes to taking out personal risk insurance in Nelson. While there are a few underlying factors behind this, the key reason is that people rarely take the time to consider what would happen to them and their families if they were to fall ill or sustain an injury.

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4 Key Benefits of Using an Insurance Broker

While many people will attempt to get a personal risk insurance policy by going directly through insurance companies, it has to be said this is usually not the wisest approach. Making use of professional insurance brokers in Wellington, Christchurch and Dunedin offers a range of benefits that can save you a lot of money in the long run and help keep your stress levels down.

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Redundancy Income Protection Works

Any of us could lose our jobs at any moment because job security is not guaranteed in today’s economy. However, if you get yourself covered with redundancy income protection, you can at least be guaranteed of some income after your job finishes.

Redundancy Insurance can also go by the names of Salary Insurance or Loss of Job Insurance, but they all mean the same thing. If your employer makes you redundant (and it wasn’t your choice), then this income protection will pay you money every month, starting one month after your redundancy.

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Get Insured for Disablement

According to a recent report by the Financial Services Council, New Zealand is one of the lowest countries to seek insurance. Out of 31 developed countries included in the study, New Zealand has the third lowest rate of insurance.

But would happen if suddenly you were no longer able to meet your financial commitments? This eventuality of not being able to pay your bills or keep up with the mortgage payments might not even be sudden, but instead,a gradual process, as is the case for most people.

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What Can I Use Trauma and Critical Illness Insurance Cover For?

Nobody likes to think about being diagnosed with a critical illness like cancer or being struck down by a sudden medical emergency such as a heart attack. However, even if we’re generally healthy and take care of ourselves, the truth is, any of us can be affected by one of the most difficult curve balls that life can throw at us. Nothing can take the stress and pain out of dealing with a major medical condition, but by making sure you have the right trauma and critical illness cover in place, you can at least take the financial burden away from your loved ones and yourself at what would already be an extremely difficult time. Different people require varying levels of cover and each policy is different, but investing in this addition to your health insurance will give you the peace of mind of guaranteeing a lump sum cash payment that you can use to cover many different essentials should you find yourself in this situation.

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