Personal Insurance.

There is nothing more important than protecting what your care about.

Personal insurance is there for covering what matters most; your health, your family, your way of life and your future goals and plans.

Business Insurance is there to protect your income, keep your business operating, protect your business partners and employers and to ensure the business can continue even if you can’t.

We all know that despite our best efforts the unexpected can still upset your plans or cause serious injury or death.

We can provide you a wide variety of products to help protect you, your family and your co-workers at any stage of life.

Life / Trauma / Income / Disability / Child Cover

Life Cover: Life and TPD (total and permanent disability) insurances – while not something that’s easy to talk about – are the best way you can protect your loved ones from hardship if the worst was to happen. We can help make sure that those most important to you will be assisted, financially at least, to continue on with their lives.

A Lump sum payment in the event of Death or Terminal Illness.

Trauma Cover: Suffering a major medical event (such as a heart attack, stroke or cancer) can be a heavy financial burden to bear. Trauma Cover gives you valuable peace of mind If

A lump sum payment that can be used as you wish ie pay off debt, cover day to day expenses, specialised or unsubsidised medical treatment or cover your partners loss of income while they take you to medical appointments.

Income Protection: If you become unable to work, what would happen to you or your family financially? Would you be able to make mortgage repayments, pay school fees, credit card bills, power & phone accounts, for example?  ACC is a great facility to make use of in the event you can’t work – but ACC only covers accidental injury, not sickness.  Income protection will ensure that your life can carry on, even if you can’t carry on working.

You can receive a monthly payment if you’re unable to work for an extended period of time due to serious illness or injury. If you do go back to work but can’t function at the same level as you did before your illness or injury, you may receive monthly payments to top up your earnings.

It provides an essential source of income well after standard sick leave entitlements have been exhausted.

Mortgage Protection: Mortgage protection insurance is a flexible, low cost way to make sure you don’t lose your home, even if the worst happens. The purpose of mortgage protection is to ensure that if you were unable to work due to illness of injury, you could still pay your mortgage.  Insurers have different levels – a general rule is around 45% of your monthly income or 115% of your mortgage payments.

If you become injured or ill and can’t work, once your wait period has finished, your insurer will make monthly claim payments. These continue until you’re able to return to work or until the end of your payment period, whichever is first.

Income & Mortgage Protection with ACC:  Mortgage and income insurance both take separate approaches when it comes to ACC. In New Zealand, if you’re unable to work due to injury, then you can expect to receive ACC payments. Generally, income protection policies will “offset” these ACC payments from your claim payments, this means that your claim payments will reduce, or possibly not be made at all if you’re receiving ACC to cover any loss of income.

Mortgage repayment cover approaches this differently, and will typically not offset ACC at all, meaning that you can receive both ACC and your full mortgage repayment lump sum.

Children’s Cover:

  • Child Trauma Cover: We’d do anything in our power to protect our children. Children’s Trauma Cover means you can concentrate on your child’s recovery if they suffer a childhood medical event.You can get help with a lump sum payment that can be used as you wish ie cover your or your partners lost income, cover day to day expenses, specialised or unsubsidised medical treatment.
  • Life Cover: Once your child turns 10, you can legally insure their life.  Put a plan in place early, before they have medical or occupation issues.  Set it up under a level premium option – and when you’re gone, your child will appreciate an affordable life insurance they can have in their retirement years.If tragedy does occur, and you have to say goodbye – this lump life sum cover can be used for their funeral and give you time to grieve without financial pressures.

Business Protection

Key Person Cover: In most businesses, people are the main asset.  They have all the ideas and knowledge and directly generate the company revenue.  Without key people the business may have no value.  A “key person” can be anyone within the business, not necessarily the owner.  Losing a shareholder, or even a junior employee, can lead to a significant drop in profits.

Share Purchase Insurance: If an owner is lost to the business through death, disability or major illness there are usually two issues to address:

  • Control of the business for the remaining owners, and
  • Certainty for the departing owner (or their estate) for the sale of their shareholding.
  • We recommend suitable cover to provide adequate funding for a properly constituted Buy Sell agreement among shareholders.

Employee Benefits Program

Providing insurance cover as an employee benefit is a powerful way to recruit and maintain great staff. Making your business more attractive to employees can improve employee satisfaction, assist with wage negotiation and offers a way to reward staff for loyalty and performance.

Employee benefits programmes can include employer-funded group medical insurance, group life insurance, group disability and group income protection insurance

Types of Schemes:

Compulsory schemes
With compulsory schemes the employer pays for insurance cover for all eligible employees. As the benefit is free to employees, membership of the scheme is usually mandatory and all employees who fit within the eligibility criteria are included.

Voluntary schemes
With voluntary schemes the premiums are not subsidised by the employer; they are instead paid by the employee. As a result, employees choose whether or not to join.

Partially subsidised schemes
Partially subsidised schemes are voluntary schemes where the employer and employee share the costs. As there is no guaranteed uptake of membership, these types of schemes may only attract limited concessions from insurers.

For businesses an employee benefit programme makes a very sound investment

Group Life/Trauma/Income Protection: GroupProtection is an employer-sponsored benefit that businesses can offer to their employees, typically available to the organisation of 10 staff or more. Employer-funded schemes can come with powerful benefits, such as full cover for pre-existing health conditions and heavily discounted premiums. When employees choose to add family members, discounts also apply. For staff members, insurance cover offered through their workplace is easier to obtain and at a significantly lower price than what they’d be able to source as an individual.

Life Cover: This is usually the basic building block of a company’s employee insurance benefit. Group life Insurance provides death cover for employees at very reasonable rates and has an optional extension for total permanent disablement insurance. This is paid if an insured person is medically assessed as unable to work again. Another optional extension, critical illness (or trauma) Insurance, pays a one-off lump sum if an employee is diagnosed with any critical condition defined in the insurance.

Income Protection: Group income protection provides employees with cover if they become unable to work due to sickness or accident. They will be entitled to receive a regular monthly benefit for their loss of earnings: up to 75% of their pre-disability income. The payments can continue either for a set period, or through to age 65 or 70.


Health Insurance: Medical insurance benefit generally comes with discounted premiums to employers. It enables staff to get medical insurance without the paperwork and pre-existing health conditions may be covered. Having medical insurance means staff can avoid the long waiting lists of the public health system and receive prompt attention from a private provider. This means they may return to work sooner.

Health Insurance

Getting medical treatment can be expensive and crop up when you least expect it.  Having Health Insurance gives you the peace of mind that you can get the treatment you need, as soon as you need it.

The main benefits of health insurance are:

  • Faster access to treatment by avoiding public hospital waiting lists
  • Less financial stress by reducing your costs of private treatment and time off work
  • More choice over when you receive the treatment for qualifying medical conditions

New Zealand has a good public healthcare system that will look after your acute needsand public no-fault accident insurance scheme (ACC) that covers you for accidental injurys’.  However if you need to see a specialist, have non-acute surgery or a diagnostic procedure, the public system will put you on a waiting list.  This is where health insurance speeds up your treatment.

We offer cover with several leading New Zealand Insurers.  Medical jargon and policy wording can make understanding Health Insurance confusing – talk to us to understand what is available to you.

Travel Insurance

From the moment you pay for anything for that holiday ie airfare, accommodation, cruise you should put in place Travel Insurance.  Travel Insurance can include:

  • Cancellation Cover
  • Delay’s/Strikes/Hijacks
  • Evacuation/Civil Unrest
  • Medical Benefits
  • Life Benefits
  • Baggage/Personal Effects/Money
  • Personal Liability

Personal, Business and Frequent Flyer options available.