SPECIALIST ADVICE THAT IS TAILORED FOR INDIVIDUALS, FAMILIES AND BUSINESSES

You can insure almost anything under the sun, but certain things absolutely need to be properly insured. This typically includes your life, your health, and your income.

SPECIALIST ADVICE THAT IS TAILORED FOR INDIVIDUALS, FAMILIES AND BUSINESSES

You can insure almost anything under the sun, but certain things absolutely need to be properly insured. This typically includes your life, your health, and your income.

INSURANCE SOLUTIONS

LIFE INSURANCE

Life insurance in New Zealand can be divided into two basic classes: temporary (or term) and permanent insurance. Term insurance is generally considered “pure” insurance, where the premium buys protection in the event of death and nothing else. A permanent insurance policy accumulates a cash value, meaning the owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value.

HEALTH INSURANCE

The healthcare system in New Zealand has undergone significant changes throughout the past several decades. Health insurance enables you to avoid the waiting times often associated with the public system meaning you can avoid a reduced quality of life and deteriorating health while waiting for treatment. Not all Health Insurance policies cover the same health issues or provide the same benefit levels.

TRAUMA INSURANCE

Trauma Insurance make life easier when you are either seriously unwell or need some time off work through ill health. They pay different amounts and for different things but together they can make a big difference to your recovery and to your family’s lifestyle.

TOTAL PERMANENT DISABLEMENT

Total Permanent Disablement Insurance can provide a lump sum when you are diagnosed with a serious illness or become permanently incapacitated. You can use these funds to clear your debts and focus on your recovery. Total Permanent Disablement Insurance is the option that can help you clear debt if the unexpected happens.

INCOME PROTECTION

Being unable to work and not having a financial safety net spells disaster for many New Zealand families. Bills pile up, mortgage payments are missed – the burden of financial worries while you are recovering creates extra stress and may delay your return to work further.

It doesn’t have to be this way if you have Income Protection. Income Protection pays a regular amount (usually up to 75% of your income) until you are well enough to return to work or until your selected benefit period ends.

BUSINESS EXPENSES INSURANCE

Self-employed people and business owners need to make sure the running costs of their business can be maintained even if they are not managing the business hands on. After all, it’s important that you actually have a business to return to!

Business Expenses Insurance provides a monthly benefit which covers up to 100% your eligible business costs if you are unable to work for any reason. Business expenses with Income Protection Insurance to make sure you are fully protected.

GET IN TOUCH WITH RICHARD FOR FINANCIAL ADVICE

WHEN WAS YOUR LAST INSURANCE REVIEW?

You’ve worked hard to build a solid financial footing for you and your family, so you want to be sure that everything is protected. Accidents and disasters can and do happen, and if you aren’t adequately insured, it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.

You can insure almost anything under the sun, but certain things absolutely need to be properly insured. This typically includes your life, your health, and your income.

 

While you want to ensure that you’re adequately protected, choosing the right policy for your needs is of paramount importance. Purchasing the wrong insurance, or simply spending too much on insurance, can do more harm than good.

The question is: how do you know which insurance policy will cater best for your needs? Contact me to provide you with a No Obligation Insurance Review today.

Years in the insurance industry

Happy clients

WHEN WAS YOUR LAST INSURANCE REVIEW?

You’ve worked hard to build a solid financial footing for you and your family, so you want to be sure that everything is protected. Accidents and disasters can and do happen, and if you aren’t adequately insured, it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.

You can insure almost anything under the sun, but certain things absolutely need to be properly insured. This typically includes your life, your health, and your income.

While you want to ensure that you’re adequately protected, choosing the right policy for your needs is of paramount importance. Purchasing the wrong insurance, or simply spending too much on insurance, can do more harm than good.

The question is: how do you know which insurance policy will cater best for your needs? Contact me to provide you with a No Obligation Insurance Review today.

YEARS EXPERIENCE

HAPPY CLIENTS

GET IN TOUCH WITH ME!

Share NZ

2 Mark Edward Drive, Half Moon Bay, Auckland

Share NZ

2 Mark Edward Drive, Half Moon Bay, Auckland