Insurance Advice

This cover is for you and for your family. Life cover provides a lump sum for the people you leave behind to help with things such as the mortgage, children’s education, and allowing the household to survive financially at the worst time.

Your income is how you provide for your family. Should you be injured or diagnosed with an illness that stops you from doing your job ever again, this cover will support you with a lump sum to help your family survive financially.

This gives you a hand should you be diagnosed with any of the most common illnesses or injuries. You’ll be given a lump sum which you can use to help pay the bills, access additional treatment, or even cover the time off work your spouse may need to take in order to look after you. With the main three illnesses in New Zealand being cancer, heart attack, and stroke – this is the most claimed upon Life and Disability policy.

Your income is arguably your most important asset. Should you be unable to work due to a long-term illness or injury, your family could be financially crippled. Income Protection provides a monthly income to the household so you and your family can survive financially.

There are a variety of products linked to income protection and, ensuring these are structured correctly, will allow you to get the most benefit should the worst happen.

This provides varying amounts of cover for less urgent medical issues and includes cover for day-to-day medical expenses, surgeries, specialist appointments, and hospitalisation. While the public health system is relatively good in New Zealand, private medical care allows you to have quicker treatment, appointments that don’t get bumped, and access to private facilities.

There are various coverages that provide some certainty and stability should illness, injury, or death occur within your business. Having these situations insured, can not only maintain revenue and growth, but also protect the business’ shareholders and their families.