On today’s podcast, we're back at it again with Insurance Specialist & Financial Adviser, Carley Ellis to dive into the financial side of all things unfortunate.

If you haven't listened to part one, stop right now and go back to our previous episode. It's one not to miss. Plus this podcast will probably make a little more sense after listening to the first one.

Specifically, we cover:

• The different types of insurance that are available for you to consider and which cover specific events
• Why thinking from the insurer's point of view can help you better understand how the insurance system works
• Which lifestyle factors (e.g. smoking) and events are considered in insurance premiums and how much more this can cost you if you're getting insurance
• The green and red flags you should watch out for when partnering up with a financial advisor for insurance
• Things to consider when you are moving to a different financial advisor

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Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz