Life Insurance

  • Pays a lump sum in the event of death, or terminal illness
  • Covers most people, aged 16 to 74
  • Is essential if you have a mortgage or debt that you don’t want to burden your family with
  • Allows you to provide for anyone, who is dependent on you if you die
  • Pays for your funeral costs so your family doesn’t have to

Income Protection Insurance

  • Gives you peace of mind that your mortgage, loans and debts will be taken care of if you lose your income due to illness or injury
  • Provides a monthly replacement income for a portion of your pre-disability income, less other income at the time of claim
  • Gives you additional support that ACC can’t provide – many people don’t realise that ACC only pays benefits for accidents, not an illness

Health Insurance

  • Pays for the cost of major hospital and surgical procedures
  • Allows you to receive the treatment as soon as it is required, so you can plan it around your family schedule
  • Means you avoid public health waiting lists, having to wait while your illness gets worse, and the financial consequences if you are off work and waiting for treatment.
  • Gives you the option of seeking treatment with your preferred provider
  • Covers the costs of private hospital surgical treatment, non-surgical treatment and specialist fees and tests with hospitalisation
  • Includes the option of adding Specialist and Diagnostic Testing to your policy, which covers specialist consultations and diagnostic procedures such as oncologist and cardiologist consultations and MRI and CT scans

Trauma or Critical Illness Insurance

  • pays a lump sum if you suffer a major trauma
  • Assisting with medical costs associated with recovery
  • Seeking alternative treatment
  • Paying for drugs that are not government funded
  • Paying off the mortgage
  • Going on holiday
  • Subsidising lost income
  • Paying for alterations, rehabilitation and home help

Mortgage Protection Insurance

  • Covers your monthly repayments if you are unable to work due to sickness or injury
  • Gives you the peace of mind knowing that your mortgage or home loan is taken care of while you recover