NZ Life Insurance And NZ Health Insurance Half Truths

Absolutely the truth can hurt & there are many instances where slightly modifying the truth can be helpful preventing unduly hurt feelings or avoiding uncomfortable situations.

The goody-two-shoes would disagree wholeheartedly & would argue loudly that the truth should no way be compromised regardless the outcome. In reality many cultures are based around this notion. An undeniable fact is that huge number individuals around the globe will tell half-truths less than the time takes you to finish reading this commentary with very few consequences.

Why do people tell white lies? Well from very young age the majority us have been receiving conflicting messages about lying. Although were socialised from about the age 3 to believe that it”s always better to tell the truth reality modern society often encourages & even rewards an element deception. Your partner asks you if he/she looks fat their new pair jeans well your answer will almost invariably be “no” if you value your relationship regardless if that is the truth or not. You”re punished far less then you would be if you tell the truth & say that your partner looks fat those new jeans.

So are there any downsides for telling white lies Indeed there are & many us are discovering that not telling the truth to your insurance company will almost certainly come back to bite you. If you do not accurately & honestly disclose all the relevant information asked you then the likelihood your claim being declined and/or your policy being cancelled without any refund will dramatically increase.

Consumer rights TV programs have been showing us that insurance companies are cracking down hard on any non-disclosure. The insurance company expects you to disclose all relevant information as they will rarely request further information as is costly & slow. Therefore the decision to offer you an insurance contract is sometimes exclusively based on the information you include when completing the insurance proposal.

If you purposely don”t disclose information or you conveniently decide that is irrelevant then you have undermined the ability for an insurance company to compose an accurate contract. The outcome this may be that your contract is cancelled or your claim may be declined. Either way it”s not pretty.

Are white lies harmful? In relation to Insurance the answer is undoubtedly “Yes”. Be very diligent & honest when applying for Insurance & ensure that you tell the truth.

Looking to find the best deal on NZ Health Insurance? Looking for the best NZ Life Insurance products? then visit www.usadvice.co.nz to find out more.