Life doesn’t come with a “how-to-guide” and the same goes for insurance. This needs to be designed around what matters most to you.
Life Insurance
Life insurance is a financial safety net that provides money to your love ones in the event that you pass away.
This can be used to provide income/support to your family, cover mortgages, debts or future education costs for your children and any funeral expenses giving your loved ones,
time to grieve their loss without the added financial burden. This giving you peace of mind that they will be financially secure if the unexpected happens.
Critical Illness/Trauma
Critical Illness/Trauma is a lump sum payout should you suffer one of the covered trauma's and survive (ie Heart Attack, Cancer Diagnosis, Stroke etc). This insurance helps you with financial relief giving you access to funds to ease the financial burden and help you focus on your recovery.
This could help go toward living costs and any additional costs that may be incurred to help with your recovery and get back to work/life quicker.
Income/Mortgage Protection
We know that Life doesn't always go to plan and sometimes an illness or injury can result in more time off work. When your income stops, your bills sadly don't!
Income/Mortgage protection is designed to replace part of your income if you are unable to work for a period of time due to an illness or injury.
This gives you peace of mind that your day to day living expenses can still be covered even if you are unable to work for a while. It can help you keep on track with your financial goals, family commitments, savings whilst reducing the financial stress of being off work and help you focus on your recovery.
Health Insurance
Here in NZ we are lucky enough to have a public system, the reality is however, it is under huge pressure. Waiting lists for specialists, diagnostic tests and non-urgent surgeries can be long and delay your recovery. Health insurance gives you options providing faster access to treatment,
more choice and control of providers along with covering the expensive costs associated. Health insurance does not replace the public system; it works alongside it ensuring you can be prioritised and proactive with your health and wellbeing.
Total/Permanent Disability Insurance
Sometimes our lives can be turned upside down and change in ways we could never predict. Total Permanent disability insurance provides you with a safety net if you became permanently unable to work due to an illness or injury.
It is there to protect your financial independence if your ability to work is taken away allowing you to still have some choices and control over your life. Peace of mind knowing that you and your family are financially supported with a lump sum payout