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Personal & Business Insurance

By protecting you, your family and your lifestyle – Personal Risk Insurance provides you with financial peace of mind to protect what matters most!

Your two greatest assets are your health and your ability to earn an income. Personal Insurance is a range of products designed to protect you and your loved ones from the unexpected. If the worst should happen – if you died, became terminally ill, or suffered illness, injury or disability – you will be glad you have it to help financially support what matters most; you and your loved ones.

As experienced Advisers in your corner, we can help advise on which types of cover are right for you, the levels your personal situation requires and make it easy at claim time, so talk to us today.

We can have you covered for…

Life insurance is designed to financially protect your loved ones if the worst happens. Simply put, If you died, or were diagnosed with a terminal illness and weren’t expected to live for more than 12 months, life insurance could pay out a lump sum to be used as your family wished; to pay debts, give financial breathing space, tick off that bucket list or whatever you may require at this difficult time. It is important that you choose the right level of protection for you and your family.

If you were to suffer a specified serious illness or injury, your trauma insurance benefit can provide you with a lump sum payment. You choose how best to use the money, from paying your medical care to covering your mortgage or household bills.

Taking away any financial pressure allows you to focus on your treatment, recovery and spending time with your loved ones.

Predicting the future is difficult, but being prepared for life changing “what-ifs” isn’t. Should you become totally and/or permanently disabled that results in you being unable to ever work again, disability cover could provide a lump sum payment. You can use this however you choose, perhaps by paying off the mortgage, investing it to create future income, covering medical bills or even making the essential modifications to your home that your disability demands.

Your ability to work and earn an income is one of your greatest assets – income protection helps to protect against the loss of this asset. If you are unable to work for an extended period due to illness, accident or injury, income protection can provide you with a monthly benefit. This can help meet your financial commitments. This means you and your loved ones have financial support to help you continue to enjoy the lifestyle you’ve worked hard for.

While ACC covers up to 80% of your income if an accident prevents you from working, it doesn’t provide an alternative income for you or your family in the event of sickness.

Purchasing a home and working toward being mortgage free is every Kiwi’s dream. Mortgage and Rent Cover pays you an agreed amount of money each month if you can’t work in your usual job due to illness or injury giving you confidence that your repayments will continue. You can also choose to cover yourself against redundancy/bankruptcy.

We understand one of the biggest worries if you lose your income is how to pay the mortgage. So let us help you keep your roof over your head.

As a resident of New Zealand, you can rely on the public health system for emergency care and treatment for serious conditions, however, this public system does not always respond in a timely manner. You wait longer for treatment, don’t get to choose your specialist and if your condition is nor related to an accident, you won’t be able to rely on ACC funding.

With health cover, you can access treatment through private providers and have some control over when and where you’re treated and by whom.
Having access to non-pharmac funded drugs may also be a game-changer for your health recovery.

We can have your business covered for…

Are you the main business driver? Could your business operate without you? Maintain business as usual with financial help if the unexpected happens to you.

Get financial support to help cover your business expenses such as business premises rent and utilities or get help to cover the cost of a temporary replacement for you in your business while you’re unable to work due to illness or injury.

Protect your business’ most important asset, your key people. Key person insurance will protect the business in the case of an untimely death, trauma or disability of a top salesperson, executive or business owner, providing peace of mind that you get financial support to help your business through difficult times.

Your business could receive a monthly benefit (up to an agreed amount) for disablement or a lump sum of an agreed amount for life, trauma or total disablement.

Get funding to help meet your business’ debt obligations following the loss of a business owner or key staff member due to disability, death or a specified major trauma allowing your business to continue.

Have you considered what might happen to the control and future ownership of the business if one of the partners or shareholders should die or become seriously disabled? Do you want to be in control of who you are in business with? How important is it that your estate and dependents receive a fair price for your shares or business interest?

This cover pays a lump sum so that shareholder buy-sell agreements can be fulfilled. Appropriate shareholder protection can create the cash required in the unexpected death or serious disablement of a partner or shareholder to enable the purchase of their shares or business interest. This avoids using personal cash reserves, or the sales of personal assets, or a substantial loan at a time of uncertainty.

This insurance coverage is tailored specifically for the newly self-employed. This offers a monthly benefit to the business in the event of disablement due to illness or accident. This is tailored for business owners operating less than three years who may still struggle to prove profitability.

All New Zealand business owners are automatically covered through ACC and as such have to pay ACC levies. However, ACC only covers you for accidents and not for illness, leaving a gap you may not wish to compromise. We can help you get all of the coverage you need and potentially still save money on your ACC levy.

In its simplest form an ACC Optimisation is based on the following: ACC is the mandatory and default program that covers you in the event of an accident. Your ACC levy is based on the likelihood of an accident due to the nature of your occupation. Your levy is also based on your previous 12 months earnings.

One way we can reduce your ACC levy is to reduce your entitlement from ACC. This enables us to lower your levy, we can then use the savings to implement more comprehensive cover that will be there in the event of either accident or illness. Often the amount you can save on your ACC levy is greater than the amount you pay in insurance premiums – meaning you save money.

Talk to us today to see what we can do for you and your business.

Let us help you navigate your financial pathway