PERSONAL INSURANCE
Protect your family, your current lifestyle, and your financial future. Personal Insurance helps to ensure that, if life takes an unexpected turn, you and your family won’t struggle financially.
LIFE COVER
What is it? A lump sum paid to your love ones if you pass away.
How will it help me? Life Cover gives you the peace of mind that, if you were no longer here to support them, your family would have financial security. They could use the money to pay off some (or all) of the mortgage, get rid of outstanding debts, cover their living expenses, pay for the kids’ education, or put it away as a retirement nest egg.
TRAUMA COVER
What is it? A lump sum paid to you if you suffer from a serious illness or injury.
How will it help me? If you experience any of the events covered by your policy (like a heart attack, cancer, or stroke, for example), Trauma Cover can help relieve the financial pressure caused by your inability to work, leaving you to concentrate on your health. You could use the money to reduce your debts, cover the extra expenses your condition might incur, or even take a holiday. You can get Trauma Cover for your children, too, so if they need special care, you can take time out to be with them.
INCOME PROTECTION
What is it? A regular payment while you are unable to work due to illness or injury.
How will it help me? Income Protection acts as a financial safety net, with regular payments that you can use to keep paying the mortgage, power, phone, and all your other ongoing commitments while you are away from work.
HEALTH INSURANCE
What is it? A payment to help cover the cost of medical treatment.
How will it help me? New Zealand’s public health system is very good at covering emergencies, but non-urgent or elective procedures often come with long waits. With Health Insurance, you can avoid public waiting lists, choose from a larger range of specialists, and even get funding for non-Pharmac-approved drugs. Depending on the policy you choose, it could even help pay for your dental treatment or glasses.
PERMANENT DISABILITY COVER
What is it? A lump-sum payment if you are permanently disabled due to illness or injury.
How will it help me? Suffering a permanent disability is a huge lifestyle change – one that comes with a whole new set of expenses. Disability Cover can help you reduce existing debt, cover immediate and ongoing medical expenses, relieve day-to-day financial pressures, and modify your home to accommodate your new set of needs.