{"id":1209,"date":"2025-06-26T15:08:29","date_gmt":"2025-06-26T15:08:29","guid":{"rendered":"https:\/\/smartadviser.co.nz\/2023\/?p=1209"},"modified":"2025-06-26T15:15:25","modified_gmt":"2025-06-26T15:15:25","slug":"cutting-back-on-expenses-dont-muck-around-with-your-insurance","status":"publish","type":"post","link":"https:\/\/smartadviser.co.nz\/2023\/cutting-back-on-expenses-dont-muck-around-with-your-insurance\/","title":{"rendered":"Cutting Back on Expenses? Don\u2019t Muck Around with Your Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1209\" class=\"elementor elementor-1209\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e0b48b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e0b48b1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d8a26f3\" data-id=\"4d8a26f3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fd68be3 elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2fd68be3\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Blog<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50538ca4 elementor-widget elementor-widget-heading\" data-id=\"50538ca4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cutting Back on Expenses? Don\u2019t Muck Around with Your Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c3dcac4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7c3dcac4\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dc2f46f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dc2f46f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2f5ce476\" data-id=\"2f5ce476\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a0878f elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3a0878f\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar-alt\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V192H0v272zm320-196c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zm0 128c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zM192 268c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zm0 128c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12h-40c-6.6 0-12-5.4-12-12v-40zM64 268c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12H76c-6.6 0-12-5.4-12-12v-40zm0 128c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12H76c-6.6 0-12-5.4-12-12v-40zM400 64h-48V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48H160V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48H48C21.5 64 0 85.5 0 112v48h448v-48c0-26.5-21.5-48-48-48z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">July 22 2023<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-user\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">One contributor<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f4a3056 elementor-widget elementor-widget-image\" data-id=\"1f4a3056\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"753\" height=\"471\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/dont-muck-around-insurance-thumb-1.jpg\" class=\"attachment-large size-large wp-image-1211\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/dont-muck-around-insurance-thumb-1.jpg 753w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/06\/dont-muck-around-insurance-thumb-1-300x188.jpg 300w\" sizes=\"(max-width: 753px) 100vw, 753px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f7b7aa8 elementor-widget elementor-widget-text-editor\" data-id=\"3f7b7aa8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>rimming back your budget? Make sure you understand the consequences before cancelling or changing your health, income, life, or trauma insurance cover.<\/h3><p>When you\u2019re struggling to pay the bills, most people start looking at their expenses and asking themselves: do I really need that? For many people, insurance is the first thing on the chopping block. It\u2019s sometimes seen as a lot of outgoing money with no tangible or direct positive outcomes from it.<\/p><p>Insurance is something you should be frequently checking; your circumstances are always changing, and your cover needs to reflect that. But if you cancel or change your insurance provider or package without serious consideration, there can be unintended consequences which are irreversible.<\/p><p>Before minimising, cancelling, or switching insurance providers, there are a few things you need to consider.<\/p><h2>What If the Worst Happens When You\u2019re Uninsured?<\/h2><p>For every disaster in NZ, there are stories of those who, for various reasons, opted out of insurance cover.<\/p><p>In the Christchurch earthquakes,\u00a0<a href=\"https:\/\/www.stuff.co.nz\/national\/95351976\/alone-in-the-christchurch-red-zone-one-mans-final-stand\">John Taylor<\/a>\u00a0had recently opted out of insurance.\u00a0<a href=\"https:\/\/www.pressreader.com\/new-zealand\/the-press\/20160216\/281702613769754\">Martin Francis<\/a>\u00a0stopped paying his insurance company when they had a disagreement after a few burglaries.\u00a0<a href=\"https:\/\/www.businessinsurance.com\/article\/20240130\/STORY\/912362385\/One-third-of-flood-and-cyclone-damages-in-New-Zealand-not-insured\">A third of homes affected by the Auckland Anniversary floods and Cyclone Gabrielle were uninsured<\/a>, largely leaving owners with no clear path forward to rebuild or renovate their properties.<\/p><p>Maybe you decide income protection insurance isn\u2019t required, then you fall seriously ill and can\u2019t work. You need to save a few hundred dollars, so you cancel your trauma insurance right before you have a heart attack. Or in the worst case scenario, you\u00a0<a href=\"https:\/\/www.stuff.co.nz\/nz-news\/350254721\/mum-36-cancelled-life-insurance-save-money-two-months-later-she-learned-she-had\">cancel your life insurance and are diagnosed with terminal cancer weeks later<\/a>.<\/p><p>The worst frequently happens. Don\u2019t think it won\u2019t happen to you. Insurance is planning for the unintended, the unplannable, the unimaginable.<\/p><h2>When You Resume Insurance, Your Cover Will Have Changed<\/h2><p>You decided to quit your health, income protection, trauma cover, or life insurance in a tight financial spot. But then a few months or years later, your income is stable again and you want to restart it. But this means starting the underwriting process all over again. The insurance company goes through all the risk you present to them from scratch, including a fresh detailed look at your medical history. This presents a few big problems.<\/p><p>To begin with, you\u2019ll be older than when you first took out your policies, which straightaway incurs a bigger premium. Then, you may have more conditions or health issues that you didn\u2019t have previously, which are now exclusions, stand-downs, or limitations on cover. Insurance will often require medical tests and exams which may increase your premiums if they are unfavourable- things such as high cholesterol, heart disease, or if you\u2019re overweight.<\/p><p>Basically, if you found a suspicious (but ultimately harmless) lump in that time period which required a biopsy, it may mean you won\u2019t be covered in the case of cancer. If you start feeling run down and it turns out you are diagnosed with multiple sclerosis, you won\u2019t be covered for that. Imagine if you decide to dump your medical insurance and rely on the public healthcare system, only to be diagnosed with an auto-immune disease and the treatment isn\u2019t funded under the public system.<\/p><h2>You Will Lose Your Loyalty or No Claims Discount<\/h2><p>When you restart insurance, all goodwill between you and insurance company is gone. Those years of loyalty and no claims discounts mean nothing. You\u2019ll be back to the full premium payments with no acknowledgement of your previous business with them.<\/p><h2>Switching Providers to Save a Few Dollars May Cost You a Lot<\/h2><p>Switching to a new and cheaper insurance company may be tempting. But this comes with risks too. Once again, losing that loyalty\/ no claims discount is a big disincentive. But the biggest worry about this is ensuring you have equivalent cover. That means what you think is covered is, and there are no holes in your policies. For example, you may think that your laptop is covered by your insurance because it was on your old policy. You take out the new cheaper policy, then your laptop is stolen. You call your new insurer who says because it is a laptop, and designed to be taken outside the home, it\u2019s not covered. The same unexpected changes and exclusions can happen with bicycles, jewellery, art, or other items over a certain value, and a raft of other things.<\/p><p>Also be careful about which insurer you choose.\u00a0<a href=\"https:\/\/www.thepress.co.nz\/nz-news\/350105339\/lonely-death-horseshoe-lake\">Frances Rowling<\/a>\u00a0was told, weeks after the Christchurch earthquake, that her insurer had gone into liquidation and all her policies were cancelled, with no payout ever to come. What\u2019s cheaper may not always be the bargain it seems.<\/p><h2>Our Advice If You Need to Save Money on Insurance<\/h2><p>If you need to trim your expenses, and insurance is part of this, it can be done. But it needs to be done in a way that minimises your exposure to risk, ensures coverage of all your assets, and still keeps you safe from financial disaster.<\/p><p>The first call should be to your insurer to chat about the policies, if there are any ways to bundle things together to get a discount, if you\u2019re covered effectively, and if they can give you any discounts. Sometimes, if you\u2019ve repaid all your debts, have no dependents, and have plenty of savings in the bank, it could make sense to save on those premium payments.<\/p><p>It\u2019s also worth reducing your cover, increasing the excess\/ deductible, increasing wait times for things like income protection insurance, or a full restructure of your policies. But, unless there\u2019s compelling reasons to do so, don\u2019t cancel insurance altogether.<\/p><p>Then, speak to a professional. Get advice from your financial adviser who understands insurance. Don\u2019t leave this to chance; the outcomes could be catastrophic.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-558d8036 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"558d8036\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6ef19787\" data-id=\"6ef19787\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-74b06a5a elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74b06a5a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5c140a7d\" data-id=\"5c140a7d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25ec5b76 elementor-widget elementor-widget-heading\" data-id=\"25ec5b76\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Request an Appointment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-494a006e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"494a006e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1751100d elementor-widget elementor-widget-spacer\" data-id=\"1751100d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1ab63fef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ab63fef\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-75799c69\" data-id=\"75799c69\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4130467 elementor-widget elementor-widget-heading\" data-id=\"4130467\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Popular Post<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-288525a3 elementor-widget elementor-widget-elementskit-post-list\" data-id=\"288525a3\" data-element_type=\"widget\" data-widget_type=\"elementskit-post-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<ul class=\"elementor-icon-list-items ekit-post-list-wrapper \">\n\t\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/cutting-back-on-expenses-dont-muck-around-with-your-insurance\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cutting Back on Expenses? Don\u2019t Muck Around with Your Insurance<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/selecting-the-kiwisaver-fund-thats-right-for-you\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Selecting The Kiwisaver Fund That\u2019s Right For You<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/so-you-want-to-be-a-millionaire-you-can\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">So You Want to Be a Millionaire? You Can!<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/retirement-close-but-havent-started-saving-dont-panic-yet\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Retirement Close but Haven\u2019t Started Saving? Don\u2019t Panic. Yet.<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"elementor-icon-list-item   \">\n\t\t\t\t<a href=\"https:\/\/smartadviser.co.nz\/2023\/im-young-no-need-for-retirement-planning-think-again\/\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit_post_list_content_wraper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">I\u2019m Young, No need for Retirement Planning.\u201d Think Again!<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3299567c elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3299567c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-29511fc0\" data-id=\"29511fc0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-576aea1a elementor-widget elementor-widget-heading\" data-id=\"576aea1a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meet Our Team<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-18c51965 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18c51965\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2ca0f796\" data-id=\"2ca0f796\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67b7e34f elementor-widget elementor-widget-image\" data-id=\"67b7e34f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"451\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01.jpg\" class=\"attachment-large size-large wp-image-67\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01.jpg 450w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01-300x300.jpg 300w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-01-150x150.jpg 150w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fcd6d97 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"5fcd6d97\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2e973fc3\" data-id=\"2e973fc3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cdff578 elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"3cdff578\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\"><a href=\"#\">Tom Markowitz, PhD<\/a><\/h4><p class=\"elementor-image-box-description\">Dental specialist<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5f85ae60 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f85ae60\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-51f1c275\" data-id=\"51f1c275\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a993e71 elementor-widget elementor-widget-image\" data-id=\"6a993e71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"451\" height=\"451\" src=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03.jpg\" class=\"attachment-large size-large wp-image-69\" alt=\"\" srcset=\"https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03.jpg 451w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03-300x300.jpg 300w, https:\/\/smartadviser.co.nz\/2023\/wp-content\/uploads\/2025\/03\/Team-03-150x150.jpg 150w\" sizes=\"(max-width: 451px) 100vw, 451px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-685a1832 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"685a1832\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41e5cadc\" data-id=\"41e5cadc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fbc7c5e elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"fbc7c5e\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\"><a href=\"#\">John Goines<\/a><\/h4><p class=\"elementor-image-box-description\">Chief Executive<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Blog Cutting Back on Expenses? Don\u2019t Muck Around with Your Insurance July 22 2023 One contributor rimming back your budget? Make sure you understand the consequences before cancelling or changing your health, income, life, or trauma insurance cover. When you\u2019re struggling to pay the bills, most people start looking at their expenses and asking [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1211,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-1209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts\/1209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/comments?post=1209"}],"version-history":[{"count":4,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts\/1209\/revisions"}],"predecessor-version":[{"id":1214,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/posts\/1209\/revisions\/1214"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/media\/1211"}],"wp:attachment":[{"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/media?parent=1209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/categories?post=1209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartadviser.co.nz\/2023\/wp-json\/wp\/v2\/tags?post=1209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}