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Let us help you find the right protection for you and your family.

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Learn more about how we can help

We partner with some of the best insurance providers to offer a comprehensive solution for your needs. Our team will dedicate themselves to understand your needs, based on our findings we will recommend the best option in terms of protection and financial benefits.

Life Cover

The Risk
You die (or become terminally ill) financially this could be disastrous for those you leave behind.
Key Question
If you would to suddenly die, what would be the financial impact be on loved ones? Would they be able to cope with responsibilities like debt repayment and living costs?
The Solution
Life insurance pays a lump sum in the event you die (or become terminally ill).
Statistics - every 90 minutes a New Zealander dies from coronary heart disease. - National Heart Foundation 2014

Health Insurance







In case you need to have hospital treatment.
The Risk
You need to have hospital treatment. A major health problem can put your life on hold. To get back to living you need to avoid waiting lists and get quality advice and treatment quickly.
Key Question
What would happen if you faced a serious health problem? If you'd want to be able to get the treatment you need, at a time and place of your choice, then health insurance is the way to go.
The Solution
A good health insurance policy will pay for 100% of the costs of private hospital treatment. It will also cover major diagnostic tests like MRI and CT Scans.
Claims Statistics Common claim costs:
Hip Replacement - $15,000 - $25,000 Cardiac Bypass - $35,000 - $57,000 Radiation Therapy - $15,000 - $27,000
Health Funds Association of NZ, Jan 2013





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Mortgage Protection

The Risk
You are too sick to work. Along with your health, your ability to earn is probably the biggest asses you have. In the event of an accident ACC might pay, however in the event of sickness there is no ACC available.
Key Question
What would you do if a serious illness or accident stopped you from working for the next couple of years - or longer? How long would you last if you were unable to work, and who would this affect?
The Solution
Income protection provides you with a monthly benefit that replaces a percentage of your income, so you can keep on top of debt and living costs. A mortgage repayment policy is an alternative which simply covers your ongoing mortgage.
Statistics - The average weekly household expenditure in New Zealand in 2013 was $1,100 per week. In 2014, the average weekly household mortgage repayment expenditure was $389.20 per week. (www.stats.govt.nz) - Household Economic Survey 2013/2014

Trauma Insurance

Trauma Insurance - In case you suffer a major health condition
The Risk
You suffer a major health condition. These conditions (like serious cancer,heart disease & stroke) can be sudden and will certainly have a huge impact on the way you live, for example requiring time off work and readjustment costs.
Key Question
If you suffered a trauma condition what would the financial impact be - and how would you and your family cope?
The Solution
Trauma insurance pays a lump sum if you suffer a condition covered by the policy. A good trauma policy will cover over 30 major health conditions, with most claims coming from "the big three" (serious cancer, heart disease & stroke)
Statistics - 1 in 3 New Zealanders will have experience with cancer personally or through a relative or friend. - NZ Ministry of Health Cancer Programme, 2012

Income Protection

The Risk
You are too sick to work. Along with your health, your ability to earn is probably the biggest asset you have. In the event of an accident ACC might pay, however in the event of sickness there is no ACC available.
Key Question
What would you do if a serious illness or accident stopped you from working for the next couple of years - or longer? How long would you last if you were unable to work, and who would this affect?
The Solution
Income protection provides you with a monthly benefit that replaces a percentage of your income, so you can keep on top of debt and living costs. A mortgage repayment policy is an alternative which simply covers your ongoing mortgage.
Statistics - The average weekly household expenditure in New Zealand in 2013 was $1,100 per week. In 2014, the average weekly household mortgage repayment expenditure was $389.20 per week. (www.stats.govt.nz) - Household Economic Survey 2013/2014

Total & Permanent Disability

TPD Insurance - In case you are unable to ever work again.
The Risk
You're unable to ever work again. The impact of this on you and your family would be life changing, with loss of income affecting the ability to pay for living costs, mortgage payments etc.
Key Question
If you were permanently unable to work, what would the financial impact be - and how would you and your family cope?
The Solution
Total & Permanent Disablement (TPD) Insurance pays a lump sum in the event that you're unable to ever work again - totally and permanently disable.
Statistics - In 2013, 24% of the New Zealand population were identified as disabled. - Statistics New Zealand, Disability Survey 2013.