Life Insurance
Life Cover Insurance protects the lifestyle and future of your family and loved ones if you die. Would your family cope with paying the monthly bills or making mortgage repayments without your salary? Would your business survive without your expertise? Life Cover is designed to pay a lump sum if you die prematurely. It is essential for those with family, business or other financial commitments.
Accidental Death Benefit. Accidental Death Benefit Insurance provides a lump sum should you die as a result of accidental injury
Income Protection Insurance
If you had an accident or illness and were unable to work, would you still have the income you and your family need?
Disablilty income protection provides you with a monthly payment if you are unable to work due to illness or injury. Financial obligations can’t be put on hold – home loans, household bills and general living expenses still have to be met. That’s why you need to protect your ability to earn. A health setback doesn’t have to affect your financial wellbeing. With income protection insurance, you’re compensated for time off work.
Business Continuity Income Protection Insurance
Business Continuity Insurance can provide a monthly benefit payment to help keep your business running should you or any key employee’s become disabled as a result of an accident or ill health, and be unable to work more than 10 hours a week. It’s designed to meet the needs of business owners who have been trading for more than three years as well as key employees.
Rural Continuity Income Protection Insurance
Rural Continuity Insurance can provide a monthly payment to safeguard the future of your farm or sharemilking business (you must own, part-own or lease the farm or the herd) should you become disabled as a result of an accident or ill health, and be unable to work more than 10 hours a week. It’s designed to meet the needs of farmers and their partners who also work on the farm, as well as sharemilkers.
New to Business Cover/Start-Up Income Protection
This insurance cover can provide a monthly benefit payment to help you get back to your business, should you become disabled as a result of an accident or ill health, and be unable to work more than 10 hours a week. It’s designed to meet the needs of business owners who have been trading for less than four years and who may find it difficult to prove their business’ profitability.
Mortgage Protection Insurance
Mortgage Instalment Insurance can help cover your monthly mortgage repayments if your earning capacity is seriously affected by illness, disability or redundancy; ensuring your home stays in your and your family’s hands.
Family Income Cover
Without you as an income earner, how would your family survive? Family Protection takes care of your family’s financial security by providing a monthly income if you die. You can select an amount that will cover expenses such as mortgage repayments, food, clothing and schooling.
Trauma & Critical Illness Insurance
This insurance cover is about helping you with survival. New Zealanders are suffering an increasing incidence of cancer and we still experience high levels of heart disease and stroke. With on-going advances in medical science, however, you have a greater chance of surviving a serious medical condition. Trauma and Critical illness cover is designed to pay a lump sum to you if you suffer critical illness or trauma, to ensure that you can cope with its effects on your lifestyle, family and work.
Health Insurance
Medical insurance covers you for major expenses. It covers the significant costs associated with hospitalization and surgery, which can affect your financial security. Health insurance gives you greater choice and more immediate attention when you need hospital care or an operation. While the New Zealand public health system looks after urgent problems, treatment for non-urgent medical conditions can involve a long, uncomfortable wait.
Because life is full of change, we review your insurance policies at least once a year to ensure that you are always getting the best value for your hard-earned dollars.