Life Cover Insurance

Life Cover pays a lump sum of money if you pass away or become terminally ill. It’s a single payment that your family can use to help look after themselves financially, whether that’s meeting funeral costs, paying off the mortgage or covering your income.

Trauma Insurance

Trauma Cover pays you a lump sum to help you when you might need extra support or having to undergo a major surgical procedure. Some Trauma contracts can offer cover for 40+ major conditions and 9+ major surgical conditions. The most common illness linked to trauma insurance in New Zealand are cancer, heart attack and stroke.

TPD Insurance

Total and Permanent Disablement (TPD) Insurance helps you and your family adjust if an illness or injury means you will never be able to work again. It’s a single payment that can be used for major expenses like clearing debts or modifying your home.

Accelerated

If a claim is paid on an accelerated benefit, the claim amount will be deducted from the life cover of your policy.

Standalone

If a claim is paid on a standalone benefit, the payment will not reduce the life cover as it’s a benefit that sits on its own.

Buy Back

If you make a claim for accelerated Trauma or accelerated TPD, the payments we make will be subtracted from your overall Life Insurance.  A buy back lets you restore your Life Insurance policy cover back to what it was, 12 months after you make your accelerated Trauma or TPD claim.

Own Occupation

You're unable to work again in the job you were working in before your disability.

Any Occupation

You're unable to ever work again in any job suited to your education, training or experience.

Stepped Cover

Insurance Premium is calculated on your age, meaning the younger you are the cheaper the cost and that premiums will increase over time with age.

Level Cover

Insurance Premium is calculated on an average premium, meaning you might pay more but you won’t have any age increase payments.

Income Protection

If you’re unable to work because you’re sick or injured, you’ll receive regular monthly payments after your agreed waiting period. We’ll pay you until you can return to work, or you reach the end of your chosen benefit period depending what option you choose, it could be up to age 70.

Income Protection

Loss of Earnings

The benefit you receive is based on your actual income shortfall, rather than your baseline income at the time of the claim.

Income Protection

Indemnity Value

Under an indemnity value income protection policy, you are covered for a percentage value of your income at the time you make the claim.

Agreed Value

Under an agreed value income protection policy, you are covered for a specific benefit amount per month, which you agree with your insurer.

Mortgage Replacement Income

If illness or injury prevents you from working, mortgage protection cover is designed to cover your mortgage or rent payments – often your biggest expense.

Redundancy Insurance

Redundancy cover provides extra protection in case you’re made involuntarily redundant, or if you are self-employed and made bankrupt. It’s linked to your Life or Income Cover and will pay out a monthly benefit, 30 days after you’re made redundant and it can keep paying out for up to six months whilst new employment is sought.

Loadings

The premiums we quote for you are at the normal rates for a person your age, gender & smoking status. If the insurer evaluates that your health presents a considerably higher risk of claiming than normal, they may offer you full cover but at a higher premium to reflect this. At their discretion, the premiums could be between 50% and 200% higher.

Exclusions

If when you apply you already have a health condition which is commonly claimed for, based on their assessment the insurer may offer you cover but exclude that particular condition due to the increased risk it poses.

Medical Insurance

Health insurance is a way to avoid public waiting lists, and access the best medical care when, and where you need it. It will cover major medical expenses minus any excess.  Other popular add on’s;

Specialist & Tests

Cover for specialist consultations and for diagnostic imaging and tests which are not related to treatment or surgery.

GP Visits

Cover for GP, nurse and physiotherapist consultations, prescriptions, an annual health check and a flu vaccination.

Dental & Optical

Cover for prescription glasses, prescription sunglasses and prescription contact lenses, optometrist and orthoptist consultations, dental consultations and treatment and audiologist consultations and tests.