Life insurance

Making sure those you leave behind are provided for

He aha te mea nui o te ao? He tangata, he tangata, he tangata
(What is the most important thing in the world? It is people, it is people, it is people!)

Making sure those you care about are looked after financially once you have gone is one of the most important things you can do.  Those you care about should be able to keep living without any financial pressure from your passing.

Life insurance can cover things like:

• Funeral expenses
• Clearing debt
• Providing an ongoing income for partner/spouse/business/family
• Providing a gift for children, such as a home deposit or university fees
• Providing a gift for charity/community organisations, sports clubs or schools

Your loved ones may not always need this but, while the financial impact of you dying prematurely is high, life insurance is a must.

Income protection

Protecting the lifestyle you’re working hard to create

You probably have financial responsibilities for things like:

• Mortgage
• Rent
• Electricity bills, rates etc
• School fees
• Maintaining a vehicle
• Internet, Netflix, mobile phone etc

If for some reason you were unable to work, it’s vital to protect your income. You may have savings but how long would they last?

Income protection is designed to step in and act as a ‘money machine’, paying you every month until you are able to return to work. Should you be unable to return to work ever, income protection will continue to pay you up to the age of 70.

Mortgage protection

Making sure your mortgage can be paid

Would you be able to pay your mortgage if you lost your job or were unable to work? That’s where mortgage protection kicks in.

Trauma

Trauma and illness can come out of the blue.  Should you suffer a serious illness like cancer or a heart attack, would you have enough savings to pay for treatment? Would someone need to take time off work to look after you?

Even if you have savings, it may not be enough to cover costs, which is where trauma cover kicks in, providing an injection of capital into your life when it’s needed most, allowing you to focus on recovery.

Health insurance

Health insurance will help pay for private medical care if you need it. You can be covered for things ranging from major surgeries to day-to-day GP visits.

Reviewing your existing cover

Reviewing your current insurances is as important as when you first set them up. You need to make sure the cover you have is relevant if you need to make a claim. If you have not reviewed your current cover in the last 24 months, please let us know so we can review for you.