Life Cover

A lump sum payment in the event of death or terminal illness.

Details

This lump sum payment makes sure that your loved ones are not left with a financial burden. Use it to repay debt or provide ongoing income for your family, when you can’t provide for them anymore.

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Trauma Cover

A lump sum if you are diagnosed with cancer, stroke or heart attack, or another specified serious illness.

Details

Advances in modern medicine are such that you are very likely to survive a major health problem, which you will recover from. So that you can focus on recovery, a Trauma lump sum helps with unanticipated expenses.

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Income Protection

A monthly benefit replacing your income for any medical reason that keeps you from working.

Details

Income Protection is the most important foundation of your insurance plan.

Have you ever calculated what you are on track to earn by Age 70? This figure is often far greater than the value of your house, and yet many people protect their house and contents before they think about protecting their ability to earn an income.

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Mortgage Repayment Cover

A monthly benefit covering mortgage payments for any medical reason that keeps you from working.

Details

This does exactly what the name suggests – covers your mortgage payments if you are medically unable to work. You would receive this as well as any ACC payments you may be entitled too.

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Health / Private Medical

Health cover allows you access the treatment you need, when you need it. No wait list for you!

Details

A basic level of heath cover is an important part of your insurance plan.

Not all policies are created equal in this area, so we help you understand what you are covered for, and what you are not.

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Total Permanent Disability (TPD)

This is a lump sum payment in the event that you can never work again.

Details

The lump sum can help clear your mortgage, purchase specialised equipment and even home modifications.

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Key Person Cover

A monthly income payment into your business

Details

The loss of a key staff member, due to illness or injury, will be felt in many difference parts of your business. It may impact your ability to pay expenses, in retaining key relationships, even the value of your business.

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ACC Structure – Self employed

Reduce your ACC levies and use savings for full income protection!

Details

When it comes to replacing your income ACC only goes so far, covering you for accidents only.

If you’re self-employed and non-PAYE, you could potentially save thousands of dollars… and be better covered!

We’ll show you how you can reduce your ACC levies and use the savings to subsidise full Income Protection, meaning you’ll be covered for any medical reason that keeps you from working, both accident and illness.

Lower ACC levies and Income Protection Insurance = Better Cover

We’ll guide you through the differences between ACC and full Income Protection, using straightforward language, not insurance jargon.

Talk to us about your ACC Structure Click here to get in touch.

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Funeral Cover - the cost of your funeral is sorted

Funds are available to the right people at the right time.

Details

At an already difficult time, funeral costs can be a serious burden to a family. Take charge and eliminate this stress with Funeral Cover.

Funeral Covers vary, we’ll help you choose the smartest option for you. And, you can be sure that funds are made available right away.

Tips:
Many Funeral Covers provide guaranteed acceptance, meaning there is no need for detailed disclosure of your health history. Usually this means that the policy will have special conditions within the first two years before the full entitlements of the policy will be granted. This can make Funeral Cover a good option for those whose health history has not been straight forward yet still want to have something in place to take control of the finances for a funeral.

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