Future Insurance

Life Insurance provides your family with financial certainty and support in time of need. If you were to pass away unexpectedly, what would the impact on your loved ones be? Create peace of mind knowing that your family will be financially taken care of.

Life Insurance provides a one-off payment on your death or a terminal illness diagnosis. This financial support can be enormously helpful for families in such circumstances.

Life Insurance can help your family:

• Focus on living life without worrying about your finances.
• Stay in your family home; pay the mortgage or cover the rent.
• Keep the kids at their school and make future education plans.
• Cover on-going day-to-day living expenses.

How Can Life Insurance Help?

• Paying off your mortgage debt
• Providing your partner and children with funds to take care of themselves
• Covering final expenses

Protect your biggest asset – your health – with a comprehensive health insurance policy.

Our service to you is ongoing. If you require treatment, we will process your claim fast, so that you can be treated as soon as possible with the provider of your choice

What About Public Health Care?

The public health system in New Zealand has a reasonable level of emergency care and treatment for severe medical conditions. Unfortunately, demand and increasing health care costs continue to put pressure on our public system.

In many cases, you’ll have to pre-qualify for public treatment before joining the waiting list. Even if your condition is not serious, being unable to receive treatment immediately could have a significant impact on your health and ability to earn an income.

Six Good Reasons to have Health Insurance:

• Protect your health and the health of your loved ones
• Freedom to select the best specialist and hospital in New Zealand
• Avoid long waiting lists to receive treatment
• Access to the latest medical procedures and technology
• No need to worry about large medical bills
• No guarantee ACC will provide full accident cover

Statistics tell us that 50% of men and 33% of women will suffer a critical illness condition such as cancer, heart attack or stroke. before the age of 70. It’s not something you particularly want to dwell on, but it’s a real risk.

The diagnosis of a trauma event is devastating in any circumstances, but the burden will be far greater if your financial security is also put at risk

How Can Trauma Cover Help?

• Covering your mortgage or rent payments
• Covering your living costs
• Covering your medical expenses
• Taking care of all your normal bills while you focus on getting better
• Paying for adjustments to housing and lifestyle changes

Total Permanent Disablement Insurance

Total and Permanent Disablement Cover pays a lump sum if you are permanently disabled and unlikely to be able to work again. It can be used to help adapt your lifestyle to make sure you get the most out of your life.

If you were to get seriously ill or injured and unable to work, how long could you and your family survive without your income? What impact would it have on your quality of life?

Income Protection provides a monthly income if you are unable to work due to sickness or injury and can cover the cost of rehabilitation and occupational re-training.

• What if you were suddenly unable to generate an income? An accident or illness during your working life is a real possibility. Sick pays and annual leaves usually only cover a few weeks of absence.
• Mortgage repayment Insurance pays a monthly benefit that can help you cover mortgage or rent repayments if you can’t work due to sickness or injury and you have the option of redundancy or bankruptcy cover, it will also be covered.

How Can Mortgage Repayment Insurance Help?

• Covering your mortgage or rent payments
• Providing an income if you are made redundant or adjudged bankrupt