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5.0
Based on 28 reviews
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5.0
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Google Rating
5.0
Based on 28 reviews
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Facebook Rating
5.0
Based on 11 reviews
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Insurance

Helping you protect what’s most important to you, without paying more than you need

Keep unexpected expenses at bay with the right type of insurance products for you and your family.

We’ll assess the risk of something harmful or unexpected happening and give you comprehensive and tailor-made advice to understand the often bewildering array of insurance options out there.

Health Insurance

A comprehensive health insurance policy will provide you and your family faster access to the best medical care, and the world’s best medicine, when you need it most.

Whilst the public health system will look after you if you fall gravely ill or have a medical emergency, waiting lists for non-urgent elective care have only grown longer over recent times, and this can have a big impact on your quality of life.

We’ll help you choose the right cover for you, with the most suitable provider and clarify exactly what you are covered for. Yes – we’ll read the small print! We can even help smooth the claims process should you need it.

Income Protection

Peace of mind, just in case you are unable to work due to illness or injury.

Income Protection Insurance essentially enables you to protect your earnings by insuring a proportion of your income, typically up to 75%. It will pay you a monthly amount so that, in the event that you can’t work or are not earning, you still have money coming in to cover essential outgoings. ACC will cover most physical injuries if they’re caused by an accident or specific event, however illness accounts for over 80% of people off work who are therefore not eligible for ACC.

We’ll help you choose the plan that is right for you so that you can focus on recovery.

Trauma Insurance

Expect the unexpected and ease the financial burden on your loved ones if you suffer a critical illness or injury. Focus on recovery rather than worrying about finances.

Trauma insurance – also known as critical illness cover – is becoming increasingly important as part of an overall insurance portfolio as medical science advances and we continue to have a much greater chance of surviving a serious condition.

Trauma Insurance will pay a lump sum if you suffer a predetermined health condition such as cancer, stroke or heart attack. The difference with many other types of insurance is that how you use the funds is completely up to you, giving you extra financial support when you need it most.

Life Insurance

Achieve ultimate peace of mind and protect your loved ones in the tragic event of death or terminal illness.

Life insurance is a policy which pays out a lump sum benefit for those you leave behind if you pass away or have been diagnosed with a terminal illness. Having the right life insurance in place will change the financial impact your passing will have on your loved ones, and insurers will often pay out a portion of the cover early to help cover funeral and other expenses, such as helping family members to travel home.

We’ll discuss with you the level of insurance that suits your needs as part of a wider insurance portfolio.

Business Insurance​

Running a great business is not always plain sailing. An injury, illness or death can quickly lead to complex issues. These include managing workloads and cashflow, and income or customer loss. And, there are shareholder buyout discussions for the surviving partner if the worst were to occur.

Business insurance can seem complex. There are many options to choose from. What’s right for a tradesman may not matter to a beauty therapist. If a business loses a key employee, owner, or partner, the consequences can be significant.

We’ll sit with you to explain the types of cover. We’ll help you answer the question: “What could go wrong, and do I have it covered?”

ACC Cover Plus Extra

CoverPlus Extra (CPX) is an optional cover product that allows you to choose how much of your income you want to be covered if you have an accident and can’t work.

As a business owner, contractor or self-employed, you have to pay ACC levies. The levies cover you for an accident only. If you’re injured and unable to work, the standard ACC Plan, CoverPlus, is designed to cover up to 80% of your income.

ACC CoverPlus Extra is superior because it pays an agreed monthly compensation. Locking in the amount you’ll receive if you need ACC. And you can save money on your annual ACC levy!

ACC CoverPlus Extra pairs with a personal income protection plan. Designed to fit you and your family, covering medical and illness.

Insurance FAQs

The best way to show you your world is to map it out. We use an online analysis tool that builds a graph-based picture of your life. This will help answer whether your current plan and level of savings will allow you to reach your goals or we need to consider other options. During our meeting, we consider your income, expenditure and debt levels to create your graphs. It’s all about you! We work with you to create a plan for building long-term wealth and security.

Insurance is a cost effective way to allow you to reach these goals.

Ideally Kiwi’s would have insurance from a young age. They could take advantage of lower premiums and it would be much less likely they would have any excluded conditions. Personally we feel there would be less strain on the public health system and other support services if there was a higher level of private insurance in New Zealand.

For those that don’t own a home or business or have any children, insurance might not be seen as a priority. It is important not to forget your health and your income earning potential when you start your career. A 25-year-old earning $50k per year will have earned over $3m over their working life. That’s important to protect.

Insurance isn’t just about what you have now; it’s also about protecting your future goals.

Income Calculator

Insurance Advisers offer expertise and guidance at no cost to you. We know the market more than anyone. You may have a specific health issue or question related to insurance, or have a level of cover through your employment you wish to retain. We can tailor a complimentary plan that fits best for you. To reduce the chance of you paying premiums for many years only to be told you’re not covered when you need it most (see #5 below) we only work with the top-rated insurance companies. They fully underwrite your policy and guarantee their benefits and wordings. This way you know when your new policy is accepted, exactly what you’re covered for so there is no stress or uncertainty at claim time.

We will work with you to understand what is important to you and recommend cover that fits, ensuring you feel comfortable with your level of cover. Our modelling will provide an insight, not only into what types of insurance might be appropriate and in what amounts, but also how long you might need it for. With the right approach, you can establish new cover or alter existing cover so it will not increase in cost over time for age-related reasons. Cost remains an important consideration though, and we can help to determine what might be a reasonable amount to spend given your finances.

Whilst we provide recommendations to you, it is still your cover and we help you to make an informed decision.

The majority of insurance claims are accepted.

When an insurance claim isn’t paid out, this is generally due to a few reasons;

  • Very often this is due to nondisclosure (the right information was not provided at application time).
  • Also unpaid claims can result from people claiming for a benefit they are not eligible for, such as claiming the few days off sick from their life insurance provider.
  • Often online or lower cost policies don’t payout unless you are really (really) sick or for a very narrow range of conditions.

We’re here to help you understand what your entitled to and make a claim to the insurance company in a timely manner.

Lifetime Income Calculator

Total Lifetime Earnings$0.00Years Until Retirement0Annual Income at Retirement Age$0.00Get In Touch

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In a move eagerly awaited by New Zealand homeowners, the RBNZ has cut the OCR by 0.25%. This decision starts a likely gradual drop in interest rates over the next few years. It will bring relief to mortgage lending rates for Kiwis nationwide.

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The Reserve Bank (RBNZ) is overhauling the criteria for mortgage lending in New Zealand. It plans to put in place debt-to-income ratios (DTI) by the middle of 2024. The goal is to cut risks to financial stability, and support sustainable house price growth. Most banks have already rolled out the changes to Mortgage Brokers.

Associate Finance Minister David Seymour has announced the Coalition Government’s final plans they have been working since the election. He said in a statement this week (March 10th 2024). Landlords can claim 80% of their interest expenses from April 1, 2024. They can claim 100 percent from April 1, 2025, onwards.

KiwiSaver is a voluntary savings scheme in New Zealand. Individuals can use it to save for their retirement. If you have been contributing to KiwiSaver for at least three years, you may be eligible to withdraw your savings in certain circumstances. In this article, we will study the different ways you can withdraw your KiwiSaver.

Traditionally, in January, we look at our current position. We make big decisions about what to change in the upcoming year. Whether our goal was to lose weight, pay off the mortgage or increase our retirement savings unfortunately, we sometimes falter by February. There are strategies that actually work to enhance our chances of success.

Set yourself up for success, before you start shortlisting properties and planning what you’ll do with your quarter acre. Seek out experts and accept help. In fact, we're here to guide and plan your homeownership journey right from the moment you start your career! “When you align all actions to a single outcome, and you keep working at it, your success will look effortless and obvious to the outside.”

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Google Rating
5.0
Based on 28 reviews
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Facebook Rating
5.0
Based on 11 reviews
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Disclaimer

This calculator is intended as a guide only and is based on the Residential Owner Occupied rate. It is not intended to provide advice, and is not a quote or an offer of finance by any lender.