Question 1

Health Insurance

Accepted Answer

Medical cover provides faster access to specialist consultations, elective surgeries, advanced treatments, and non-Pharmac-funded options, bypassing lengthy public waitlists that can delay critical care. Our health insurance solutions are fully customized, offering comprehensive protections, ensuring you and your family receive prompt healthcare treatment.

Question 2

Trauma Insurance

Accepted Answer

A serious illness or injury can turn life upside down. Trauma insurance pays a tax-free lump sum on diagnosis of covered conditions, giving you the financial breathing room to cover extra costs, pay down debt, or focus fully on recovery. Relieving families from the added worry of money.

Question 3

Total & Permanent Disablement

Accepted Answer

If you're ever permanently unable to work due to serious injury or illness, this cover provides a lump-sum payment. It helps with lifestyle changes, debt reduction, and long-term security. Allowing you and your family can maintain stability and independence.

Question 4

Mortgage Repayment Insurance

Accepted Answer

Your home is often one of the biggest investments you'll make. Mortgage repayment insurance helps keep your repayments covered (or paid off) if illness, injury, or redundancy gets in the way. This measure ensures mortgage payments are settled, and your home will be protected in the scenario you are unable work.

Question 5

Income Protection Insurance

Accepted Answer

Ensures a financial safety net for when life takes an unexpected turn. If you can't work because of illness or injury, income protection pays a regular benefit. Typically, up to 75% of your usual earnings. It helps you keep up with bills and maintain your lifestyle while you focus on getting better.

Question 6

Key Person Insurance (Key Man Cover)

Accepted Answer

Losing a key person in your business through death, illness, or disability can create real challenges. Key Person Insurance pays a lump sum to the business, helping cover lost income, recruit and train replacements, manage debt, or support ownership changes. It's a practical way to protect the value and stability of your business.

Question 7

Group Life Insurance

Accepted Answer

Group life insurance provides your employees and their families with lump-sum financial protection if the worst happens. It's a straightforward, budget-friendly way to give your team extra security.

Question 8

Group Health Insurance

Accepted Answer

Group health insurance helps your team get faster access to specialist care and private treatment. Quicker recoveries mean less time off work, better morale, and a stronger, more supported workplace.

Question 9

KiwiSaver Advice

Accepted Answer

KiwiSaver is one of the easiest ways to build wealth for your future and retirement. We offer clear, practical advice on contributions, fund choices, employer top-ups, and how it fits with your overall goals. Whether you're planning for your family, your business, or both.

Life & Health