Personal Insurance
Have you insured the person you love?
Life Insurance
Family members are the bedrock of our lives, offering unwavering support and comfort during life’s uncertainties. The loss of a loved one is a deeply emotional experience for any family, and financial challenges should not intensify this burden.
Life insurance provides a critical safety net designed to mitigate the financial risks that arise from unexpected changes within a family. It helps maintain your family’s current quality of life while safeguarding future aspirations. By ensuring financial stability, life insurance offers peace of mind and allows families to focus on healing and moving forward with confidence..
Health Insurance
New Zealand's public health system provides comprehensive care, with accident-related injuries managed by ACC. However, long waiting times for non-urgent treatments highlight challenges in the public healthcare system.
Private health insurance addresses healthcare gaps by reducing waiting times and covering costs for treatments. It ensures timely care and alleviates financial strain, providing stability and peace of mind for individuals and families.
Trauma Insurance
Daily life includes essential expenses such as family living costs, children's education, transportation, and food. Maintaining these responsibilities depends on a stable income, which is critical for supporting the entire family.
Trauma insurance provides a lump sum payment to help families manage the financial strain caused by severe illness or injury. It covers medical expenses, replaces lost income, and ensures daily living costs remain manageable, offering crucial support during challenging times.
Total Permanent
Disablement
Insurance
Total Permanent Disablement (TPD) Insurance addresses risks in various work environments, especially hazardous ones. While such jobs often offer higher income, they also carry greater risks. No workplace is entirely free from unexpected accidents or illnesses.
TPD insurance provides financial support for those with permanent disabilities due to illness or injury. It covers lost income and offers benefits like medical treatment, rehabilitation, and assistance to help individuals and families rebuild their lives and improve quality of life.
Income Protection Insurance
A stable and reliable income is essential for maintaining daily family life. However, unexpected events such as severe illnesses or injuries can disrupt this stability, particularly if they impact the primary income earner.
A sudden drop in family income can disrupt daily life. Income protection insurance replaces part of the insured's income, helping the family maintain their standard of living with minimal disruption during tough times.
Mortgage Protect Insurance
Home loan repayment is a major financial responsibility for families. Unexpected events, like severe illness or injury, can strain finances, making it hard to maintain payments and ensure a stable home environment.
Mortgage protection insurance covers payments to the lender during unforeseen events. It safeguards the family's home, eases financial strain, and provides peace of mind for borrowers and lenders alike.
Any concerns about your insurance?
If you have any concerns about you or your business, please contact us. Our friendly adviser will help to choose the right insurance for you.