Services We Provide
Life Cover, Life Income Cover and Terminal Illness Cover
Terminal Illness Cover pays out if you are diagnosed with a terminal illness. Life Cover and Life Income Cover both pay out if you pass away or become terminally ill. Terminal Illness and Life covers pay out a one-off sum, which can be used to create an investment fund to generate income, to reduce debt, such as a mortgage, or to leave money behind for a specific cause such as funding future tertiary education for children, paying final costs such as funeral expenses,or to leave a bequeathment. Life Income Cover pays a regular monthly benefit for a set number of years, which can be used to directly replace the income of the family member who has passed away.
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Total and Permanent Disability Cover
Total and Permanent Disability Cover pays out a sum of money if you become so severely ill or injured that you become permanently unable to return to work. This product is often used to pay down debt, and to account for the additional costs arising from such a severe injury or illness.
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Trauma and Severe Trauma Cover
Trauma Cover products pay out a sum of money if you are diagnosed with, or suffer from one of the large number of listed serious health conditions. These conditions include Cancer, Heart Attack, Stroke and many more. Trauma Cover products are often used as a 'recovery fund' providing you with the money to pursue treatment options or to cover any additional costs needed to get back on your feet after a serious illness.
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Income Cover, Mortgage Repayment Cover and Household Expenses Cover
These products are designed to protect your most valuable asset - your ability to earn an income from your work. These products pay a monthly amount if you are unable to work due to illness or injury. These products can be structured to pay for a short, specific term or to provide cover all the way up until retirement.
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Private Medical
New Zealand has a great public healthcare system, with wonderful doctors and hospitals. It does a great job for Kiwis who need urgent treatment. The reality is that most treatment is not considered urgent, and often requires long periods on a waiting list. Private Medical Cover funds quick access to, and a choice of, treatment in the private medical sector meaning you can get the best care without having to wait for the public system.
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Business Buy/Sell
When a co-owner in a business dies, the effected owners estate can be left severely exposed. But the remaining owners could also face potential problems. The purpose of a buy and sell agreement is to provide the existing owners with cash to purchase the interest of the deseased owner.
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