Life insurance is important because it helps you, your family and loved ones to cope financially should the unexpected happen to you. Protect the financial security of your loved ones if you die or are diagnosed with a terminal illness.
Yearly Stepped Life Cover premiums are based on your current age and sum insured and adjust annually upon your policy anniversary. This type of policy is ideal for people who want to have some flexibility over their policy, and would like to adjust their level of cover over time.
Your Premiums are guaranteed to stay the same until you reach the age you select, whereby the premiums automatically change to a annual renewable term. The premium changes according to your age and sum insured, to the selected age.
Make an informed decision for you or your family by seeking professional advice from a Financial Advice Provider. To make contact for first time cover or a review of your current insurances, click here. A disclosure Statement is available and free of charge.
Being sick is hard enough, without having to also worry about your finances. Your ability to earn an income is one of your greatest assets, so it makes sense to protect it. That’s where Income Protection insurance can help.
Income Protection provides you with a monthly payment should you be disabled as a result of illness or injury, and unable to earn your regular income. The monthly benefit is designed to replace a significant portion of lost income to help maintain your cost of living during treatment and recovery.
Mortgage Repayment cover provides you with a monthly payment if you lose your ability to work due to an illness or injury. The payment is designed to help pay your mortgage if you’re unable to work, however you can spend the money as you like.
Make an informed decision for you or your family by seeking professional advice from a Financial Advice Provider. To make contact for first time cover or a review of your current insurances, click here. A disclosure Statement is available and free of charge.
Private medical insurance will provide you with immediate access to the best medical treatment in New Zealand. Medical insurance covers the cost associated with the treatment of medical and health problems.
If you require a surgical procedure, whether in hospital or day stay, you can choose to have the procedure completed privately and your Private Medical Cover will pay the costs, less any applicable excess (certain exclusions apply).
You have the choice to implement the Specialist and Tests Option with your policy, which will provide reimbursement for the costs of specialist consultations or diagnostic tests, that are not otherwise covered by a base medical plan (certain exclusions apply).
Make an informed decision for you or your family by seeking professional advice from a Financial Advice Provider. To make contact for first time cover or a review of your current insurances, click here. A disclosure Statement is available and free of charge.
KiwiSaver is a voluntary work-based long term savings scheme, designed to help New Zealanders save for their first home purchase or retirement, including contributions from your employer and the government.
KiwiSaver is a voluntary retirement savings scheme to help you save money for your future whilst you are working. Most people won’t access their KiwiSaver account until they reach retirement age.
Most first home buyers are able to access their KiwiSaver to purchase their first home, if they have been contributing to the scheme for at least three years.
With many options to choose from, it is important that you invest in the right fund that suits your tolerance to risk or your investment timeframe.
Trauma cover provides you with a lump sum payment if you are diagnosed with a serious medical condition such as cancer, heart disease, major head trauma, blindness etc. The purpose of this insurance is to reduce financial strain while you seek treatment and recover from the condition.
Providing class advice on KiwiSaver and professional recommendations for Business, Private Health and Personal Risk insurances, including:
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