No one likes to plan for the bad things in life. By putting suitable insurance cover in place, you can minimise the financial implications should your life be interrupted by major illness, injury or even death.
Your AdviceFirst adviser will help you by asking the hard questions, and guide you to the insurance cover that suits you and your family.
Contact us for a no cost, no obligation review of your personal insurance needs.
Personal insurance policies can provide you with a financial safety net should you have a major illness, injury, or death.
Not all policies are created equal – some will give you more benefits than others.
Get the personal insurance cover that suits you
It’s easy to look for a deal online but unless you read all the fine print you could end up paying for cover you don’t need or worse, find you don’t have suitable cover come claim time. Different policies cover different needs, so you need to choose the one that suits you.
Life insurance is that extra bit of help for the people that you care about in the event of your death. With Life Insurance, you can choose a lump sum amount or a monthly benefit which will be paid out if the insured person dies or is terminally ill as defined in the specific policy. This money can help reduce debt, pay for funeral costs or put money towards education.
Your ability to earn a regular income is your most important asset. Without it, how could you cover expenses such as mortgage repayments, household bills, or your children’s education?
Income cover can provide financial stability if you find yourself unable to work due to a serious illness, injury, or disability as defined in the specific policy. It can replace a significant portion of your lost income to help with your financial needs while you focus on getting better.
Income cover is paid as a monthly benefit – just like your salary – and generally covers up to 75% of your pre-tax salary.
Health insurance provides peace of mind that you and your family can have faster access to medical treatment when you need it most.Health cover helps pay for private medical care and can give you access to alternative treatment that is often not funded or easily accessible. You can also choose plans that cover day to day care like GP visits, dental check-ups, and optometry.
How would your family – and/or your business – cope if you suffered from trauma such as cancer, a heart attack, or a stroke? A critical illness can have a significant impact on you, your family, and your business.
Trauma cover can help to minimise stress and provide financial stability if such an event occurs. Trauma cover is paid as a lump sum upon the diagnosis of a specified medical condition or injury.
You may use the payment to pay for private medical treatment, make lifestyle changes so you can focus on recovery, cover any major debts or day-to-day living expenses, or take some time off work for a stress-free family holiday.
Mortgage and Rent Protection
Mortgage and rent protection insurance are designed to help you meet your mortgage repayments or rent in the event of illness or injury as defined in the specific policy. You have the choice of getting insurance to cover repayments for up to two years, five years or to age 65 if you are never able to work again.
Mortgage or rent protection insurance allows you to focus on your recovery without worrying about the financial stress of meeting what is likely your biggest expense.
Total and Permanent Disability cover
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.
Here are three ways we can make a difference to your insurance journey.
1. Our advisers are insurance specialists. They are passionate about helping you find the cover that works for you in an easy, no-fuss process.
2. We can provide insurance comparisons for all the major banks and insurance companies in NZ, helping you choose a policy that will protect you, your family and your lifestyle.
3. All our advisers are paid by salary, not by commissions. This means you can be sure we are focused on achieving good outcomes for you.
When the time comes to make a claim on your insurance policy, we’ll be by your side every step of the way. Please talk to us FIRST so we can help to manage the claims process from start to finish and ensure everything is as smooth and stress-free as possible.