Provide for your loved ones, when life throws a curve ball
With the right insurance cover in place, you’re able to focus on what matters most, not how you and your loved ones are going to cope financially. Illness, injury or loss can change everything.
At Penberthy we tailor life, trauma and medical cover to suit your stage of life, your priorities and your future. Get peace of mind with our extended care approach to protecting you and your loved ones.
Talk to us today
and protect your personal and lifestyle needs with the most suitable cover.
With the right champion by your side, you have peace of mind that what matters to you most is robustly protected. We build enduring relationships with our clients that bring peace of mind and we tailor insurance solutions that evolve with you as your needs change. It’s about being beside you, every step of the way. That’s what we are here for.
Here’s just some of the ways we can protect you:
Personal Lines – Insurance We Offer
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. Typically, life insurance is chosen based on the needs and goals of the owner.
Trauma Cover pays a lump sum if you suffer a specified condition such as a stroke, a heart attack, cancer or loss of a limb. If a physical trauma means you can’t work, or have to meet significant medical costs, you won’t have to suffer financial trauma too.
The public health system is there for emergency care and treatment for serious conditions, however, if your medical issue is not serious or urgent you will be disadvantaged without private medical care. Using the public system might mean you wait longer for treatment, don’t get to choose your specialist, and if your condition is not related to an accident, you won’t be able to rely on the ACC (Accident Compensation Corporation) to pay for treatment.
An insurance policy that replaces some of your income if you’re unable to work due to serious illness or injury. Most policies in New Zealand will provide you with a monthly payment up to 75% of your total income to keep your lifestyle going during recovery.
Provides a lump sum payment (tbd) if an employee becomes totally and permanently disabled and is unlikely to ever work again. This cover offers financial support to help manage living expenses, rehabilitation, and lifestyle adjustments during a challenging time.
Provides a lump sum payment if, as an employee, you are made redundant. This financial support helps you manage expenses during the transition period while you search for new employment.
This is an insurance policy that helps pay your mortgage repayments if you are unable to work due to illness, injury, or other covered reasons. Acting as a safety net, it provides financial support to keep your home secure while you recover or transition.
Our approach is what sets us apart
Our expertise makes a tangible difference
We are our client’s most suitable advocates, because our expertise is in the fine print, ensuring we delve deeper to tailor more thorough protection policies.
Our approach develops genuine relationships
We develop a trusted partner relationship with our clients, because we demonstrate a genuine desire to look out for your needs soundly.
Our knowledge brings peace of mind
Our deep-seated knowledge, built up over generations, ensures trusted advice and support that continually evolves, as you do.
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