Syd Hanna

INSURANCE BROKERS LTD
insurance broker Syd Hanna Nelson - insuring your future


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Frequently Asked Questions


"Why do I need Insurance?"
Insurance is designed to assist financially if the unexpected should happen.

"How much do I need?"
The amount of cover differs for each individual circumstance. As a general rule your insured amount should cover any current debts and allow you to maintain your lifestyle if something goes wrong.

"When should I start saving for my retirement?"
Yesterday! Look towards the future and start putting away as much as you can afford now.

"Why should I save for retirement when my investments will fund my retirement?"
Consider what return your investments are likely to bring in 65 years. Is this dependent on a particular market, i.e. the sharemarket or property market? What if the return is nil growth or worse, what then? Saving in a Superannuation Plan is affordable with no risk involved, no capital outlay and offers a guaranteed rate of return.

"There are so many Insurance companies around. How do I chose one?"
That's what insurance brokers are there for, to source the best cover for your needs and budget. It costs you nothing, so use them.

"How much do some operations cost?"
Some average costs:
Total Hip Replacement $11,400.00
Total Knee Replacement $12,400.00
Prostate Cancer $7,400
Cardiac Bypass $24,000.00
Angiogram $2,800.00
Total Hysterectomy $5,500.00

"My bank has offered me Life Insurance. Should I take it?"
If you are applying for a loan, mortgage or similar, most banks will offer Life Insurance as part of their package. There is nothing wrong with this, but it would be in your best interests to have your insurance broker 'shop around' on your behalf before signing any formal documentation to this effect.
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