Life Insurance
Because you elect the amount of benefit you receive, ensuring you have the correct amount of coverage is very important.
Typical uses of life insurance are paying off debt, funding a funeral, providing for children's education & an emergency fund for the family.
As you age the uses for life insurance will need to be altered, this is easy to achieve with our free annual review
| Level of Protection: | $500,000 |
| Age | 35 |
| Sex | Female |
| Occupation | Office Worker |
| Smoking Status | Non-Smoker |
| Premium Payment Options | Fortnightly, Monthly, Annual |
Mortgage Protection
If you are off work due to injury or sickness your mortgage repayments will still need to be met. If you have used up your sick leave, annual leave & savings where will the funds come from to meet these payments for your home?
ACC does not pay if you are unable to work due to sickness.
Mortgage protection is a simple effective way to ensure while you are recovering these repayments can be taken care of. This will also pay even if you are on ACC.
| Level of Protection: | $2,500 per month |
| Stand Down Period | 60 days |
| Maximum Payment Period | 5 Years |
| Sex | Female |
| Occupation | Office Worker |
| Premium Payment Options | Fortnightly, Monthly, Annual |
Private Health Insurance
We have a great public health system in New Zealand but it does have limitations. Not all treatments are covered by the public system.
As new innovations in medication & technology in the health industry are being introduced, the cost of getting the latest and greatest treatment for you and your family should be covered by private health insurance.
Time and time again we see the benefits of private health cover.
| Level of Protection: | All medical costs |
| Excess Option | No Excess (can be used to reduce premiums) |
| Surgery Costs | Unlimited |
| Choice of | Medication and Specialist |
| Premium Payment Options | Fortnightly, Monthly, Annual |