Life & Health Insurance

Provides the insured with options relating to Health Care, from the choice of hospital and treatment facility to the choice of specialist. We have a number of providers available and will find the best one for your needs.

Pays a lump sum in the event of death or a terminal illness. It provides financial protection for those who depend on you. It pays a one-off cash payment if you die. The amount of cover needed is tailored to suit your individual needs. The eligibility entry age for those who can apply for life insurance is 16 to 75. There is no maximum level of cover, however – the cover is subject to financial & medical assessment

You often hear of people struggling to afford the things they need when they are facing serious illness; it might be treatment that is not covered by the public health service, medical insurance exclusions or a myriad of other unexpected costs. Or they may simply desire to have a memory making trip with their families.

Trauma cover pays out on a select number of specified illnesses that will be agreed when your cover is put in place. It pays a one-off lump sum if you are diagnosed with one of around 40 specified illnesses or injuries.

When you are faced with a traumatic health challenge it may force you to reassess your priorities, so having the correct policy in place could alleviate much or all of the financial impact.

Our highly experienced Advisers work hard to tailor the best trauma cover for their clients and then walk alongside them throughout the claims process, we know only too well how invaluable this level of support is at such a stressful time.

Income Protection policies help keep money coming in when you are no longer able to work – either for a short time or permanently.

While New Zealand is lucky enough to have a comprehensive ACC scheme in place for accidental injuries, you’re far more likely to end up off work because of illness. In that situation, you’re usually largely on your own once any sick leave runs out.
When you’re faced with the possibility of many months away from your job, knowing that an insurer will step in to help pay your bills and keep the roof over your head is a huge relief.

Depending on the Income Protection policy you choose, you’ll be paid either an amount you’ve agreed on with an insurer or will receive a pay-out based on the amount you were earning before you had to stop work.

Income Protection can make an enormous difference to your life – allowing you to continue the lifestyle you enjoyed before, even if you can no longer pursue your same career, rather than simply subsisting until you can recover enough to get back to work.
Talk to one of our highly experienced Advisers to help work through the correct insurer and policy that’s right for you.
Contact us to tailor specific cover for your needs.