Insurance
Insurance is like an umbrella on the rainy days – you never know when it is going to rain. You surely would want one to save you from getting drenched.
You need a well planned insurance policy which fits your needs and future aspirations. We do not believe in pushing products. We provide prudent advice on how to manage your future financial risk, while you go about focusing on more important things in life.
- Life Insurance
- Income Protection
- Trauma Cover
- Medical Insurance
- Business Insurance
1) Life insurance is not about life or death; it’s about your love for your family. Nobody has a control over death – but you have control over your life and the legacy you leave behind for your family. Don’t be too late; you don’t want to lose out on the opportunity a life insurance policy provides to create a legacy for your family. We have all types of plans to suit your needs.
For more product details. Read more or Call us at 0800 238 239 to discuss
2) The Income Protection insurance provides you regular cash flows while you are disabled to work in your regular profession. If you have a mortgage, you can ill-afford to ignore income protection insurance. We can provide a tailor-made solution to protect your income – your biggest asset.
For more product details. Read more or Call us at 0800 238 239 to discuss
3) Trauma Cover What are the chances of you getting a serious sickness before the age of 65? Just consider these facts:
- 25% of stroke sufferers will be under 65 (source: Stroke Foundation of New Zealand)
- 2479 new breast cancer registrations in one year (source: New Zealand Health Information Service)
Trauma Cover provides you with a one-off lump sum payment if you’re diagnosed for the first time with one of 38 conditions defined in the policy. You can use this lump sum on whatever you wish – whether this is medical expenses, paying off the mortgage or taking the family on holiday.
For more product details. Read more or Call us at 0800 238 239 to discuss
4) Medical Insurance New Zealand has a good public health support system, but there are limitations as to what it can provide. There are plenty of reasons for you to consider buying private medical insurance. One of the main reasons is the long waiting list for surgeries in most of the public hospitals. It is a fact, when a serious illness occurs, people don’t want to standby on waiting lists for weeks or months. They want an option to get a quick treatment in private hospital. You may have to pay the cost from your pocket if you are not insured under a medical cover plan.
Following are indicative costs of surgery* February 2008
| Surgery | Costs |
|---|---|
| Cardiac bypass (heart surgery) | $30,000 – $40,000 |
| Valve replacement (heart surgery) | $33,000 – $50,000 |
| Angioplasty –with 2 stents (heart surgery) | $18,000 – $20,000 |
| Gastroscopy (diagnostic test) | $800 – $1,200 |
| Cataract Removal (eye surgery) | $3,500 – $4,000 |
| Wisdom Tooth Removal | $1,400 – $8,600 |
Trauma Cover provides you with a one-off lump sum payment if you’re diagnosed for the first time with one of 38 conditions defined in the policy. You can use this lump sum on whatever you wish – whether this is medical expenses, paying off the mortgage or taking the family on holiday.
For more product details. Read more or Call us at 0800 238 239 to discuss
5) Business Insurance All New Zealand businesses understand the risk to their plants, stocks, premises, vehicles etc. But not all businesses understand the value of their most precious asset – PEOPLE. They run the business and losing key people through sickness or injury can sometimes prove disastrous for businesses.
Are you prepared for anything?
- If you’re convinced it won’t happen to you, you’re probably unprepared.
- If you or your business partner were to become ill, be injured or die, could your business continue?
- Would your family be able to cope?
- Could you sell your share of business to someone else?
- Would your business survive if one of the other owners were to die prematurely, suffer a critical illness or become totally and permanently disabled?
- Who would take their place – not only in performing their day-to-day role, but also in deciding how your business is run?
If you want to protect your business from the unexpected and give, your family and your shareholders peace of mind, WE CAN HELP YOU. There are a range of business insurance products sourced from reputable insurance companies that meet your business’s specific requirements.
For more product details. Read more or Call us at 0800 238 239 to discuss