Life Insurance

Every day you face a wide range of risks to your personal wellbeing and lifestyle. Life Assurance helps you minimise the financial impact of death or terminal illness.

Life Assurance is designed to provide security for a wide range of financial commitments by paying a lump sum on your death. This essential form of protection is used for a variety of purposes:
  • Mortgage commitments
  • Personal debt, such as loans or credit cards
  • Security for business obligations
  • Provide a lump sum to fund your family’s future lifestyle in the event of your death

If you have debts which you would like paid on your death, or want to create a capital lump sum that your family can draw upon to meet their needs, then life assurance is an essential part of your financial planning.


Suffering a serious illness is devastating in any circumstances but the burden will be far greater if your financial security is also put at risk.

A person suffering from one of the four main critical illnesses (heart attack, heart disease, cancer or stroke) has a nearly 50% chance of surviving for up to 10 years beyond the critical incident. However, in many cases this involves a reduced working capacity and necessitates significant lifestyle changes and costs. A lump sum benefit can make a real difference in meeting these costs.

Total Permanent Disability

While for most people the early death of an income earner would cause serious financial strain for those left behind, the financial impact would be just as serious if that income-earner became totally and permanently disabled and unable to work for the rest of their life. In some cases the hardship experienced would be even more profound as ongoing daily living and medical costs for the disabled person could be significant.

Income Protection

The financial consequences of a disability or extended illness could be devastating for your lifestyle and those that depend on you. An average income earner will earn over $1.4 million through their working life. A prolonged absence from work or a return to work in a reduced capacity could have a severe impact on your future financial security.

Mortgage Protection

The purchase of your home is one of the largest financial commitments you will make. Once you have committed yourself to a home loan, your lender typically expects you to meet your repayments, even when you can’t work due to sickness or injury. No one likes to think about serious illness or death but it makes sense to reduce the financial impact of such possibilities.

Have you thought about how your dependents would repay the mortgage on your home if you were to die suddenly or be unable to work due to serious illness or a prolonged period of disability?

Mortgage Protector works when you can’t through a range of cover options that are designed to meet your protection needs.

Commercial, House, Contents & Motor Vehicle

We have an alliance with Tower Insurance and a major broker for House for Contents & Motor Vehicle.Insuring your assets whether it is a car, boat, house, contents is a very specialist area and for that reason we have an alliance with Tower Insurance and a Broker who are experts in this type of Insurance.


Your health is a must and people often sat there is nothing more important than your health and they are right. That is why health insurance is key. Without your health, you do not have much else, so choosing health insurance is a smart idea, because it helps you deal with health problems better should they arise.

5 reasons to have health insurance:

  1. Greater choice – choose when, where, how and by whom you get treated, in consultant with your doctor.
  2. Financial support – less stress about how to pay your health bills.
  3. Quicker treatment – avoid long delays for treatments in the public health system.
  4. Greater certainty – cover now for many unknown health issues that may arise later.
  5. Latest medical procedures – access too many latest recognised medical treatments and technologies.


The primary reason for business insurance is to provide immediate and relatively cheap finance to allow continuation of your business if serious illness or premature death should occur to a key person or major shareholder. The three main areas of concern are debt repayment, key person cover and succession planning; i.e. who will own and manage your business if premature death or total and permanent disablement occurs to one of the major shareholders?


Secure your future – By joining KiwiSaver is a regular form of saving that the Government and your employer also contribute to if you are employed and contributing and are eligible. With regular contributions to your Scheme account you are growing a retirement fund that can help secure the lifestyle you would like to enjoy in your later years.

Buy your own home – KiwiSaver can provide you with valuable help to buy your first home. In addition

Retire in style – If you retire at 65 without a savings plan in place you could end up having to reply on the Government for 20 or more years living on the NZ Superannuation for around $29,350 per year for a couple. Will relying on this alone provide the retirement lifestyle you are looking forward to?