PERSONAL INSURANCE
No one likes to think of bad stuff happening in life. But unfortunately, we can’t always control such things. What we can control, though, is how we prepare ourselves financially for challenges like illness, injury, or loss.
Insurance can be complicated, but we will help you find the cover that best suits you and your family.
KIWISAVER
All too often, we have clients who have no clue how KiwiSaver works, who their provider is, what kind of fund they’re in, or even how much they’re contributing. Many of them don’t even have access to it to see how much they have in there.
What’s worse is that this isn’t uncommon. Because of this, so many Kiwis miss out on tens of thousands of dollars.
Many of us put the thought of retirement on the back burner until it’s too late.
We don’t want to see you still working after 65, and chances are you still have another good 20 years to cover after that. It’s not just the cost of living you have to cover either.
Rent or mortgage repayments, fuel for your car, children, and grandchildren to consider, and any holidays you may want to go on. Dental care, medical bills, house, car maintenance… the list goes on and on.
This is why it’s so important to have a plan!
With tools like this KiwiSaver Calculator, you can see how you’re tracking. Then, get free personalised, expert advice from us to see if you can do better! So, what’s stopping you?
So, what products do I need to know about?
Life/Funeral Cover:
Life insurance is a vital financial safety net for your loved ones in the event of your passing. With life insurance, you have the flexibility to select either a lump sum payout or a monthly benefit, which becomes available if the insured person passes away or is diagnosed as terminally ill according to the terms of the policy. This financial support can play a crucial role in easing the burden on your family by helping to clear debts, cover funeral expenses, or contribute towards educational needs.
Income/Mortgage/Rent Protection:
Income Protection insurance provides you with a financial safety net by replacing a portion of your income if you are unable to work due to illness or injury. It ensures that you can continue to cover essential expenses during unexpected periods of incapacity.
Mortgage and rent protection insurance safeguards your home investment by covering your mortgage or rent payments in the event of unforeseen circumstances like disability, illness, or sometimes job loss as defined in the specific policy. It helps you keep your home during challenging times allows you to focus on your recovery without worrying about the financial stress of meeting what is likely your biggest expense.
Trauma/Critical Illness Cover:
It’s a scary thought, isn’t it? Thinking about how your family would manage if you were faced with something life-changing like cancer, a heart attack, or stroke? Such things can take a major toll on you and your family.
Trauma cover offers a vital lifeline alleviating stress and ensuring financial stability in the event of such a crisis. This type of insurance provides a lump-sum payment upon the diagnosis of a specified medical condition or injury.
Medical/Health Cover:
A financial protection plan that helps you pay for medical expenses, including doctor's visits, hospital stays, medications, and preventive care. It provides peace of mind by reducing the financial burden associated with healthcare, ensuring access to necessary treatments, and promoting overall well-being.
Permanent Disability:
Total and Permanent Disability insurance can provide you with a lump sum payment if you become permanently disabled as a result of an accident or illness and are unable to work.
NEW GRADUATE COVER
The earnings of newly certified professionals often experience substantial growth as they launch their careers.
However, when obtaining coverage for the first time, they frequently lack the financial documentation to support their potential income. This can pose a challenge in securing the appropriate levels of coverage, particularly for income protection.
This cover offers an uncomplicated option for recent graduates and newly certified professionals to secure themselves with lump sum and agreed-upon income coverage up to a specified maximum amount, all without requiring the typical financial documentation.
So, who’s eligible?
To be eligible for the 'new professionals’ option' the life insured must:
Have an appropriate degree and/or higher qualification, and have graduated and/or become registered/admitted into their current profession within the last 3 years; AND
Be fully accredited and registered by the appropriate New Zealand professional body/ies where required, AND
Be working a minimum of 30 hours per week and producing an income in one of the eligible professional occupations.
SIMPLEWILLS
An online service that allows a cost-effective way to write a Will.
Every New Zealander who has an asset of any kind whether it be cash, property, managed fund investments, chattels or bank savings, should have a WIll regardless of age, gender or ethnicity.