Expert Insurance Advice
For most people their greatest financial asset is their ability to earn income.
Personal insurance is about positioning you financially for life’s curveballs. It removes the financial stress for you and your family in the event of loss of income from serious illness, injury or death.
How we work with you
Step 1 - Discovery Call
Everyone’s different, so we start by learning about you and what is important to you.
We also review what existing cover you may have.
Step 2 - Tailored Plan
We make insurance recommendations that suit your lifestyle and budget.
We believe some insurance is better than no insurance and are very conscious to match you with a financially sustainable level of insurance.
Step 3 - Your Decision
You’re in control.
We will explain the various types of insurance that are available and give you the information you need to choose the right cover for you and your family.
Step 4 - Application
We help you through the application process with the chosen insurance underwriter to ensure you obtain the best outcomes.
Step 5 - Ongoing Support
As your life situation changes, we review your cover and recommend changes.
Along the way, if you need to make a claim we support you through that process.
Types of insurance
Whilst this list may be a little daunting, Kim will guide you through the best options for you
-
Life cover provides a lump sum if you are diagnosed as terminally ill or die prematurely. This policy can help to clear debts and funeral expenses as well as providing income for a spouse or ongoing income for your children′s education or until they are financially independent.
-
Trauma insurance is designed to pay you a lump sum if you get diagnosed with a traumatic or critical event, such as a heart attack, cancer or stroke. This policy helps to cover living costs, replace your income, pay off debt or pay for medical treatment eg. non−pharmac drugs.
-
Designed to assist you if you are unlikely to work again, this cover will help clear debt or provide a lump sum to live off. Permanent Disability Insurance is often overlooked but arguably has the greatest financial impact on someone, as we now live through health events that we never used to, due to advanced technology and medical treatment.
-
This cover is there if you ever need surgery, hospitalisation, specialists or health consultations. Having private medical cover will mean you get to skip the queues of the public waiting list, and get the help and assistance when you need it most.
-
Income protection is a monthly benefit paying up to 75% of your income if you are unable to work due to illness or injury. You are more likely to be off work from an illness than an accident. ACC will not cover you for illness − Income Protection insurance will ensure you are provided for.
-
We love this type of insurance because it protects the mortgage we′ve arranged so carefully for you. It′s a simple monthly benefit designed to pay your mortgage if you become unable to work due to illness or injury. This policy generally pays on top of any ACC entitlements and fits alongside other income protection plans.
