Personal insurance covers various unexpected situations in your life, to make sure you and your loved ones can be supported through a difficult time.
It is divided into:
PROTECT YOUR MOST IMPORTANT ASSETS
We know you’re unique and your insurance advice should be too.
Helping Kiwis make the important financial decisions they need to make at critical points in their lives.
The best insurance agents combine the insurance world with your world. We have experienced agents and insurance brokers who understands your needs and can get you the best policy and price.
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Take the stress out of unexpected expenses.
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What is Health Insurance?
Health Insurance is designed to cover the significant costs associated with hospitalisation and surgery in the private system. This benefit will ensure that you can get quick resolution for non-acute medical conditions meaning you can get treatment when you need it rather than being on the public hospital waiting list. It provides greater choice and more immediate attention when you need hospital care or an operation.
Specialist and Diagnostic Testing gives you the freedom to cover the cost of a specialist consultation or a diagnostic test helping to avoid a long waiting list for essential treatment.
What is Life Insurance?
Life insurance is probably one of the important insurances you should acquire. If you are to pass away or get diagnosed with a terminal illness, life insurance will protect your family and their future by providing them a lump sum payment. This type of payment can help your family and loved ones with mortgage payments, funeral costs and with support for them to be financially stable.
Main benefits of life insurance
Your family or loved ones will get an upfront payment to help with funeral costs.
Your family or loved ones reimbursement for the costs of returning the life assured’s body to New Zealand if they die while overseas
You can access to an early payment if you’re diagnosed as terminally ill
What is Trauma Cover?
If you receive a diagnosis of critical illness or experience trauma (stroke, heart attack, cancer and similar), your Critical Illness or Trauma Cover will help you take care of yourself and your family while you focus on recovering, instead of the bills.
Main benefits of Trauma Cover
Financial support for your family to be there to support you
Financial support with mortgage expenses and other bills
Time off work - peace of mind that finances are taken care of while you concentrate on getting better
Rehabilitation and additional treatments that may not be covered by your existing health insurance
Overseas travel - to be with family, or simply to take some time off while you recover
TOTAL PERMANENT DISABILITY COVER
What is Total Permanent Disability Cover?
Total Disability Cover will help look after you and your family should you become disabled permanently due to illness or accident and are not able to work.
Types of Disability Cover
This cover will pay you a lump sum amount of money if you are likely to be unable to ever work again in the occupation you were in before you became disbaled due to accident or illness.
This cover will pay you a lump sum amount of money if you are likely to be unable to ever work again in the occupation you were in before you became disbaled and unable to work in any other occupation due to accident or illness.
Main benefits of Total Permanent Disability Cover
You will receive a lump sum to assist with expenses like medical treatments, employing a caregiver and any continuing household expenses.
You will have access to funds to help with costs including changes that might need making to your home or vehicle, specialist medical equipment to help you adapt to your new circumstance.
HELPING YOU IN TIMES OF NEED
Total Disability Cover will help look after you and your family
What is Income Protection?
Income Protection provides a monthly payment to replace a portion of your
income if you have an illness or injury and are unable to work. With income protection insurance, you’ll be supported to meet your ongoing financial commitments and make choices that are important to you.
ACC levies are a necessary part of your business but sometimes you end up paying more than what you need. We can help by reviewing your ACC levy to ensure that you are paying the right price and that there's no overlap with your business insurance.
MORTGAGE & INCOME PROTECTION COVER
What is Mortgage Income Protection?
If you are injured or ill and are unable to work, this type of insurance covers your mortgage, rent, and other ongoing expenses on a monthly basis.
Main benefits of Mortgage Income Protection
Your ability to earn an income is your biggest asset and needs to be protected if the unexpected happens. While you focus on getting back on your feet, your finances and your family will be covered financially
As you return to full-time work, partial payments are available
Rehabilitation support to assist your recovery
Childcare reimursements for children in your care under 14 years old
You may suspend your insurance cover for up to 12 months during parental or unpaid leave
What is Redundancy Cover?
If you were to suddently lose your job, this type of insurance provides monthly payments for up to six months while you look for altnernative employment.
Main benefits of Redundancy Cover
Supports your financial requirements while you look for a new role
Allows you to find a role suited to your skills and expectations instead of choosing any job just to pay the bills
TRAVEL INSURANCE THAT SUITS YOU
Who Should Get Travel Insurance?
If you are someone who is planning to visit or work in New Zealand and you are not a citizen or resident of New Zealand and your visa is valid for less than 2 years, travel insurance is recommended.
Travel insurance is designed to provide healthcare cover to those who are not entitled to funding for New Zealand’s public healthcare system.Travel insurance will include acute hospital treatment, and you can expect to have an option for GP and specialist cover, along with prescription medication and any health tests
PROTECT YOURSELF FROM THE UNEXPECTED
Comprehensive or basic cover,
we've got you covered.
Why Get Business Insurance?
Your business's financial wellbeing is very important especially if you are unable to work due to injury or illness. You can reduce the financial risk and keep yourself covered by having Business Insurance.
What Monthly Income Covers Are Available For Business Insurance?
Business Expense Cover
If you happen to suffer from an illness or injury, Business Expenses Cover will allow you to continue running your business. This type of business insurance pays your business expenses and will give you the peace of mind while you are out of action that your business can continue to run.
Business Disability Cover
Should an owner or a central figure within your business become unwell or injured, the Business Disability Cover will pay a business regular monthly payments to continue operating. This type of Business Insurance will also help hire a temporary replacement and compensate some of your lost revenue.
Farmers Disability Cover
The farming and agriculture is a crucial industry here in New Zealand. The Farmers Disability Cover will provide financial support should you become ill or injured. This type of Business Insurance can be used to hire a temporary worker to help on the farm or cover any expenses that may occur while you are unable to work.
For business-owner clients, ACC levies are necessary but sometimes we tend to pay more ACC levies than what we actually need. We can actually help you review your ACC cover and make sure you are paying the right premium without compromising your benefits.