Poor health, or lack of attention to health issues by employees can lead to significant extra sick leave and loss of work hours for an employer.

These provide insurance for employees and owners to provide medical or health insurance, disability income, lump sum benefits in the event of Traumatic Health Event, Permanent Disability Terminal Illness or Death. These payments can allow staff to exit in the event of a major health event and in the event of terminal illness or death often provides essential financial support for employees.

Group insurance rates are significantly cheaper than individual insurance packages available as an individual. Premiums may be just a few per cent of wage bill and manageable by best fit structuring to your own business model They Provide options for continuation of cover when an employee leaves giving security if health has changed in the mean time Larger Groups can offer guaranteed acceptance which means no insurance medical underrating a huge benefit to this who may normally pay higher premiums or where cover may not even be available to them and at cheaper rates than might be paid for a healthy person!

Because we are independent and seek to look at the best package from leading New Zealand Insurers to fit your business model, demographics, and occupational risks. Further we make a promise to act as advocates at claim time and we help you though all that paper work and can even do this on line to avoid down time with employees.

We offer a no obligation appointment to discuss your business and your own modelling for your employment packages and budget