Personal Insurance

Designed to support your family's financial future when you're no longer there for them, life insurance is one of the most important decisions you can make. It is often used to pay off shared debts, like a mortgage; and even if you don't have major financial commitments, life insurance can help your loved ones afford funeral costs, bills, and other ongoing living expenses.

Like to secure the most appropriate level of life cover? As insurance advisers, we can help you work out how much life insurance you may need, based on your debt levels, personal circumstances, and goals. Plus, we are here to review your circumstances over time, and to assist your family if they ever needed to claim.

Facing serious illnesses is never easy, and the financial burden can add to the stress. Trauma policies pay out a lump sum for a defined list of conditions (like heart attacks, cancer or stroke), and you can use the money for whatever you need - whether this is a treatment that's not covered by health insurance, a memorable trip with the family, help around the house or even your day-to-day expenses, if you and your spouse want to have time off work while you recover.

The value is in the detail. Trauma insurance is one of the most powerful protection tools, but to get the most out of it, it's important to understand what the small print entails. As insurance advisers, we can help you secure the most appropriate level and structure of trauma cover for your needs.

How would you and your family cope if you suddenly lost your income? Would you still be able to meet your financial commitments, like a mortgage? And what about your ongoing expenses?

While ACC does a great job of paying out for accidental injuries, the scheme doesn't protect your ability to earn an income from the consequences of serious illness or even injury, once your sick leave runs out. Income protection insurance can provide that 'safety net' when you're no longer able to work, either temporarily or permanently. 

We can help you protect your lifestyle. When structured properly, income protection allows you to continue the lifestyle you enjoyed before, pay your bills, and keep your family's home. We can help you work out the nuances and details so that you secure the level of cover you need.

In New Zealand, we're lucky enough to have a public health system taking good care of us in case of emergency. But unfortunately, when it comes to non-urgent surgeries and procedures (like hip replacements and colonoscopies), public hospital waiting lists can be lengthy. 

Health insurance is designed to give you affordable access to fast and quality treatment options. But not all health insurance policies are created equal, and we can help you secure the most appropriate solution for your needs, goals, and budget.

Depending on the type of policy you choose, for example, health insurance can cover the cost of diagnostic testing, specialist consultations, and treatment in private healthcare facilities. Some policies include GP visits and prescriptions or even provide cover for unfunded medications, like life-extending cancer therapies that are not yet funded by Pharmac. Please get in touch if you'd like to talk about your needs.

Similarly to income protection, mortgage protection insurance is designed to step in when you cannot work due to serious illness or injury, taking care of your mortgage repayments. You can set up your policy to pay a set amount each week or month, for a set number of years or until a certain age. The benefit amount usually equals 115 per cent of your mortgages, or 40-45 per cent for your regular income. 

Thinking about ways to protect your family's home from the unexpected? Please don't hesitate to contact us. We can show you how mortgage protection insurance can benefit you and your family, and talk you through alternative options that may also be appropriate for your needs. There's a lot to think about and we can help take the pressure off by keeping things simple.