Businesses are dependent upon people’s skills, energy, financial guarantees, financial backing, and expertise; and these are the very things that make it so vulnerable to disaster.
After all the blood, sweat, and tears you’ve poured into your business, you want to ensure you secure it and all that’s gone into creating it. You want a valuable asset that can be sold or left as an asset for your family and those you leave behind.

Mortgage and Rental Cover protects you financially in the event of you being disabled and unable to work. It provides you with a monthly benefit that adjusts with you if your circumstances change.
You can combine with cover for household expenses or income cover to protect yourself and your dependents.

Medical insurance, also known as health insurance, provides you and your family with high levels of insurance to cover the rising costs of surgical and medical treatments available privately in New Zealand.
Events such as unexpected illness, life-threatening cancers, and heart disease have a devastating effect. Control, choice of medical providers, access to immediate treatment, and provision for both Pharmac and non-Pharmac medications means faster treatment and confidence in the best care.

Life insurance pays out upon your death; or, if you are diagnosed with a terminal illness, you may choose to have your benefit paid out early so you can spend quality time with loved ones.
An unexpected death can have a devastating effect on those left behind. Life insurance can continue to provide financial support for those loved ones left behind:

• Loss of future income
• Clear debts
• Mortgage repayments
• Living and household expenses
• Children’s education
• Funeral and last-minute expenses

Trauma Insurance pays lump sums up to $2,000,000 if you suffer any of the trauma definitions in a policy wording. Comprehensive trauma covers offer cover on more than forty majour health events.
When life is seriously affected by a critical illness Trauma pays a lump sum allowing you to focus on recovery. Payments can be used for any purpose—reducing debt, living expenses, alternative medical treatments, a holiday to recuperate.

Total and Permanent Disability is an Occupation Rated cover providing a lump sum payment of up to $5,000,000 if you are permanently disabled and unlikely to ever return to work again.
Income Protection comes in many forms, but all provide you with a monthly benefit if you are unable to work due to a disability from sickness or injury. They are often based on either a pre-agreed amount or 75% of your income at claim time.

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