What we offer
We all like to think we are bullet proof, but the truth is we do all get sick, have accidents and get older.
These are all horrible things to consider and that’s where we come in. We’ll ask the right questions to make sure you and your family have the financial support they need.
Preparing for the worst can be daunting but we can help you prepare for the worst scenarios.
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.
People are often overlooked but are generally one of the most important assets of any business. If key people are lost or removed from the business they can have a significant impact in terms of turnover and/or an increase to operating expenses.
Provides the company with monthly benefit and/or lump sum to offset additional costs of losing a key person through serious illness, injury or death. It covers costs to replace staff, train new staff etc..
Provides a lump sum for remaining shareholders to purchase the shares of a shareholder who has to leave the business due to serious illness, injury or death. These funds allow the remaining shareholders to provide the existing shareholders family/estate with funds and leaves the remaining shareholders with control of the business.