Life Protection

Relax knowing you’ve taken care of your family with flexible cover that can provide a lump sum after the death of a loved one.

When you have a family, you’d do anything to financially protect them and the lifestyle you’ve created for them. While we all try to live a long, healthy life, the unexpected can happen at any time.

How would your loved ones cope financially if something were to happen to you?

Life Protection helps give you peace of mind that should you die, your loved ones won’t be left struggling financially. It can help ensure big debts are paid and immediate costs such as funeral expenses are covered. It can also provide an on-going income for your loved ones when you are gone.

Trauma Protection

No matter how fit and healthy we are, there is always the possibility of serious illness or injury happening in our lives.

Trauma protection can help provide financial stability when you need it most. If you were to suffer a serious illness or injury, you can receive a lump sum cash payment to use any way you like.

Trauma Protection can help give you peace of mind that you can pay for your medical care, your mortgage, your household bills and any extra care you might need. You don’t need to provide receipts or report back to us. All you have to do is concentrate on your recovery, and getting back to good health.

Disablement (Permanent or Temporary)

Relax knowing you’ve taken care of your family with flexible cover that provides a lump sum after the permanent disablement of a loved one. No matter how fit and healthy you are now, an accident or unforeseen illness could leave you incapacitated.

How would you and your family cope if you were unable to earn an income? How would you pay the mortgage, school fees and utilities? Unfortunately the unexpected can happen to any one of us, any time. That’s why it’s so important to have a plan in place to help give you and your family peace of mind.

With Disablement Protection, you can receive a lump sum payment when you need it most, to spend any way you choose. If you become permanently disabled by an accident or illness and are unable to work again, Disablement Protection can provide financial stability by helping you meet ongoing day-to-day living expenses, and helping you make appropriate changes in your life or business.

Income Protection

Relax and concentrate on getting better – knowing that the bills can be taken care of while you recover from an accident or illness.

Your ability to earn an income is one of your greatest assets. After all, it’s fundamental to maintaining the lifestyle you work so hard for. So imagine what would happen if illness or injury affected your ability to work. How would you meet your financial commitments such as your mortgage, school fees, even basic utilities?

With Income Protection, your current standard of living doesn’t have to be compromised if illness or injury prevents you from earning a regular income. Available for employees and the self employed, Income Protection can provide you with a regular monthly income if you’re totally disabled by an accident or illness and unable to work. It can help ensure your financial commitments can be met while you focus on your recovery.


No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.

Having health insurance gives you the peace of mind that you can get the treatment you need, when you need it.

The benefits of health insurance

  • 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 and where you receive treatment for qualifying medical conditions.

Public health system vs. Private insurance

New Zealand has a public healthcare system that will look after your acute needs and a public no-fault accident insurance scheme (ACC) that covers you for accidental injury.

However if you need to see a specialist, have non-acute surgery or a diagnostic procedure (such as an MRI), the public system will put you on a waiting list. This is where health insurance can help.

If you would like to learn more about any of these products, please Contact us today.

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