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Personal life insurance

You are your biggest asset. What happens to you and your family if you are struck with illness ,injury, or death? 

As everyone's situation and requirements are different, so is the plan that we will recommend to you. We ensure that the products that recommend meet your needs and your budget.

What if I already have an insurance plan?

​It's great if you have something in place already, but as things are constantly changing, it's important to consider the following:

  • How long have you had your insurance cover? 

  • Does it suit your present situation?

  • What type of cover is it?

  • If you had a claim, do you know who to contact?


If you are unsure about the answers to these questions, it's time to review the cover that you have.


We provide insurance comparisons between insurers and policy wordings to allow you to make an informed decision, on the cover that you have currently, and if it will do what you expect it to.

Life insurance

Death and terminal illness can have a huge financial impact on your family. When considering how much life cover you need, it is important to consider the following:

  • Funeral costs

  • Mortgage debt

  • Personal debt

  • Living expenses for the surviving partner

  • Childcare and education costs

Based on your stage in life, and your requirements, the level of cover can vary greatly between people.

Total permanent disablement

Imagine if you were never able to return to your occupation if you suffered a permanent health condition or accident?

Again this would have a significant impact on your life as well as for the people around you, but this impact is ongoing until your expected retirement age and beyond.

With a lump sum payment, debt can be paid, and funds can be made available for the additional costs of being sick. 

Trauma cover (critical illness)

Every year 25,000 New Zealanders are diagnosed with cancer. This is a shocking statistic, and when combined with other trauma conditions such as strokes and heart attacks, the chance of suffering a serious illness is higher than most people think.

Trauma cover can ensure that there are funds available to allow you to recover how you want to.

This may mean taking time off work, even if you are still able to work, or allowing for your partner to take time off as well.

There also may be a need for additional treatment or specific treatment not available in New Zealand.

Income protection

How long you you be able to manage financially if you were unable to go back to work tomorrow? For most people even after sick leave and annual leave, anything longer than three months would have a disastrous consequences on personal finances.

Income protection ensures that a portion of your income is replaced every month that you are medically unable to work. This means that you are able to recover without additional financial stress.

Whether you want a basic plan, or cover with all the bells and whistles, we have options for you.

Mortgage protection

Taking on a mortgage is most people's largest financial commitment. This is not something to be taken lightly.

If you were unable to meet your repayments, there is only one, very unpalatable option, sell your property.

Mortgage protection is similar to income protection in that it continues to ​pay you monthly when you are medically unable to work. This is either a portion of your income, or your regular mortgage repayments. 

This cover makes sure that there will be regular funds coming in to allow you to continue to pay your mortgage. 

The other benefit of mortgage protection is that this cover pays out on top of any benefit received from ACC, so regardless if the reason you are off work is due to illness or injury, or ACC is paying you or not, you still receive the benefit.

Health cover

Health is something that is taken for granted. but I am sure if faced with a long wait on a public waiting list, or a quick booking through a private hospital, you would take the private hospital every time.


On average, waiting times for hospital treatment is 22 days for insured patients, and 200 days for uninsured patients.

Currently there are 280,000 people waiting for elective surgery, and of these, 170,000 haven't even made it to a waiting list.

Depending on the provider, there are several modules when choosing health insurance:

  • Surgical cover (usually with an excess)

  • Specialist consultations and diagnostic testing

  • Non-PHARMAC funded medication

  • Optical and dental

  • GP visits

Using all of these tools, We can put together a plan that suits you and your family.

Claims are a huge part of what we do. As the process can be tricky, we can help you through to make the process as smooth as possible.

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