A lump sum payment that safeguards your family from financial burdens and helps manage expenses when you're no longer there.

Health cover can provide faster access to medical treatment by reducing or bypassing public waitlists. Additionally, it often includes coverage for medications and treatments that are not publicly funded in New Zealand.

Income cover acts as a safety net for your finances, safeguarding your income when unexpected circumstances arise. It provides a reliable payment to replace a portion of your lost earnings, ensuring you can maintain your lifestyle and cover essential expenses during challenging times.

Mortgage repayment cover acts as a financial safety net for your home loan or income. It provides protection by helping to cover your income or mortgage payments if you are unable to work due to unforeseen circumstances, such as illness or injury.

Trauma cover is like a financial safety net for unexpected health setbacks. If you're diagnosed with a critical illness or experience a major medical event covered by your policy, it provides a lump sum payment. This extra support can help ease the financial burden and allow you to focus on your recovery.

Key person cover safeguards your business by providing financial support in the event of losing a vital team member due to illness, injury, or death. It offers a monthly benefit or lump sum payment to cover expenses like staff replacement, training, contract penalties, and loss of profits. With this cover, you can protect your business's stability and ensure continuity during challenging times.

Debt protection offers a safety net for your business by providing a lump sum payment to repay debt to shareholders or release personal guarantees in the event of serious illness, injury, or death. This financial support alleviates pressure on the business and enables it to move forward with confidence. With debt protection in place, you can ensure the financial stability of your business and protect its future.

Shareholder protection insurance ensures the smooth transition of ownership in the event of a shareholder's unplanned exit from the business due to serious illness, injury, or death. It provides a lump sum payment to the remaining shareholders, enabling them to purchase the shares from the departed shareholder or their family/estate. These funds serve as capital for the departed shareholder's family or estate, while also granting the remaining shareholders control of the business. With shareholder protection insurance in place, you can safeguard the stability and continuity of your business during challenging times.

Employee benefits encompass subsidised insurance cover offered to groups of employees as a valuable staff benefit. Typically, these policies include employer-funded group medical insurance and various types of group life insurance. By providing employee benefits, businesses can support their workforce with essential insurance cover, promoting their well-being and providing financial security.

Please note that we are not licensed to provide you with advice on general insurance such as home and contents, business liability etc. However, we have established relationships with trusted professionals who are licensed and experienced in this field. Reach out to us today and we'll get you in touch.

The information on our website offers a brief glimpse into the services we provide. Here's the thing though: everyone's situation is unique, which means your insurance needs will depend on your individual circumstances. So, it's always a smart move to seek financial advice that's tailored specifically to you and your situation.