Nimalka Perera

Most people understand the importance of having a will—but far fewer realise that simply having one isn’t enough. Life doesn’t stay the same, and neither should your estate plan.

Making an insurance claim can feel overwhelming—especially when it’s happening during a stressful time, like illness, injury, or the loss of a loved one.

Life doesn’t stand still—and neither should your insurance cover. As your circumstances change, the personal insurance that once suited you perfectly might no longer provide the protection you or your family need.

When you take out a life insurance policy, there’s one big question many people never stop to ask: “If something happens and a payout is made… does the insurer tell my family how they’re supposed to use the money?” The short answer? No, they don’t…

Trusts are a valuable tool for asset protection, estate planning, and financial management. However, to be legally recognized and effective in New Zealand, a Trust must meet specific legal requirements…

When it comes to personal insurance, myths and misconceptions can prevent people from getting the coverage they truly need…

Sri Lanka and New Zealand share a history rooted in colonial ties and mutual participation in the Commonwealth, but beyond that, there exists a unique sporting connection—one that revolves around rugby and the iconic All Blacks...

Accidental injury insurance, is also named Specific Injury Cover, is a type of coverage designed to provide financial support if you suffer an injury due to an accident...

Owning a home is a significant milestone, but it also comes with the responsibility of managing your mortgage payments. Mortgage protection insurance is designed to safeguard your home...

Trauma insurance, also known as critical illness insurance, is designed to provide financial support when you’re diagnosed with a severe medical condition...

Creating and maintaining a home budget is crucial for financial stability and achieving your financial goals. If you’re new to budgeting, starting from scratch can seem overwhelming, but breaking the process down into manageable steps can simplify it…

Planning for the future is a critical aspect of responsible financial management and ensuring peace of mind for yourself and your loved ones…

In New Zealand serious illness is 2.6 more times more likely to strike than a serious accident putting an earner off work for six months or more…

Have you ever stopped and looked back on your week you have just had. Then wondered where it went and whether you achieved what you set out to achieve….

If you don’t have life insurance then you probably want to know about this… A pretty standard feature of most life insurance policies today is something that none of us really like to talk about: Terminal Illness Benefit…

The following is a summary of the best tips for consumers from Dr Adrian Raftery, senior lecturer in Financial Planning and Superannuation at Deakin University…

What are the chances….really? Well, the odds are pretty good for most of us that we will make it through our working lives, so that is good news!..

There seems to be an impression that the only reason that people aren’t able to become millionaires is because they don’t work hard enough…

Would you prefer Life Insurance to pay the family an income?
One of the innovations in life insurance in recent years that remains a bit of a mystery to many is a type known as “Family Income”, or “Family Protection”…

Anyone with kids needs Wills or at least one Will. Let's say you’re married and you and your spouse are killed in an accident, who do you want to raise your kids?…