Personal Insurance
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Life Insurance
We work with you to help work out your what level of Life insurance you require.
Typical uses of Life Insurance are; paying off debt, funding a funeral, providing for the cost of raising children, lost income for the family.
As each year passes, your Life Insurance should change, your debt may decrease/increase, having children/as children age etc
Also as your KiwiSaver grows this can be a factor to use to decrease the amount of Life Insurance you pay for as KiwiSaver pays out to your Estate in the event of a claim.
Trauma Insurance
This is here for those big health issues that we face, Heart Attack, Cancer, Stroke - all affect us in different ways.
How severe is your diagnosis and how you respond to treatment varies for every person.
Lets work together to ensure you have a level of cover which will make a meaningful impact should you or your loved ones make a claim.
Also kids are covered free up to the age of 21, even up to $50,000 with certain providers!
Total & Permanent Disablement (TPD)
This is when you suffer a diagnosis which means you can longer be in your chosen career ever again.
This is a Life changing diagnosis. Could be that you are a surgeon and lose a finger, could be you are an insurance adviser and lose cognitive ability.
This insurance isn’t claimed on very often but when it is you are changing your lifestyle which can be very expensive.
Income Protection
Cant work because you are sick or injured? Here is a product that will give you certainty of income for a period of time that you choose.
As your income alters we are able to lift the insurance to match without a new health assessment in most cases.
Mortgage Protection
If you are off work due to injury or sickness, your mortgage repayments will still need to be met. If you have used up your sick leave, annual leave & savings where will the funds come from to meet these payments for your home?
ACC does not pay if you are unable to work due to sickness.
Mortgage protection is a simple effective way to ensure while you are recovering these repayments can be taken care of. This will also pay even if you are on ACC.
Medical Insurance
We have a great public health system in New Zealand but it does have limitations. Not all treatments are covered by the public system.
As new innovations in medication & technology in the health industry are being introduced, the cost of getting the latest and greatest treatment for you and your family should be covered by private health insurance.
Time and time again we see the benefits of private health cover.