Personal Life Insurance

Life Insurance provides essential financial support to your family if you pass away. Life Insurance can be used to pay-off mortgages and debt, replace lost income, cover education, and ensure your family can afford to still live a comfortable lifestyle without you.

Income Protection insurance provides a replacement monthly income if you can't work due to any form of illness or injury.

Income Protection insurance covers your bills, mortgage and living costs until you are able to get back to work. 

Different types of income protection insurance are available, with each suited to different situations. Talk to us to ensure your policy is the right fit for your needs.

Trauma insurance provides a lump sum payment if you are diagnosed with one of 50 major illness conditions such as cancer, heart attacks and strokes.

 Having a significant lump sum payment will allow you to tackle your condition head on, without the added pressure of money worries. 

TPD insurance provides a lump sum payment  if you permanently lose your ability to work. 

If you couldn't work again what would you do, and how would you manage financially?

TPD insurance is often used to pay-off debt, cover lost income and others costs from your disability. 

Pays you a lump sum of typically $10,000 or $15,000 if you have an injury that includes a fracture that needs a cast/splint, or an injury that needs general surgery to repair. 

If you are into snow sports, mountain biking or any other sport or occupation where there is a chance of injury, this policy is for you.

Fixed premiums and no medical underwriting make this a cost effective way of covering injuries and topping up income protection insurance, trauma insurance and ACC.

We know life changes fast so completing regular reviews ensures your risk plan remains suited to your needs. 

Changing jobs, moving house, growing family, increasing debt, change to income? 

We use the 3 R's approach:-

Review - what does you current plan cover?

Refocus - is your plan still suitable?

Reset - make adjustments if required