• In New Zealand, one in six men and one in nine woman over 30 will die between the ages of 30 and 65*. These statistics cannot be ignored and Term Life Insurance is a lump sum paid out on death of the Life Assured. This can ensure that mortgages and other debts are paid off so your family can grieve and not have additional financial hardship of a loved one.
• Trauma Cover provides a lump sum amount paid on diagnosis of certain major medical conditions e.g. serious cancers, heart attacks, loss of functionality, major burns etc. The cash payment can be used for any purpose whatsoever but is often helpful to cover loss of income or unforeseen medical, or other costs.
• Income Protection Cover is a must if you have to stop work suddenly due to injury or illness, how long could your family cope financially? This is a question that every working New Zealander needs to consider. If your income suddenly stops it is likely that your income obligations cannot be put on hold. Home loans, household bills and general living expenses still have to be met. After an agreed wait period, income protection cover pays a monthly income until you recover or the benefit period is reached.
• Not all insurance is expensive. If you are limited by finances or have a pre-existing condition that limits your opportunities for cover, you can purchase Accidental Death Cover which will pay a benefit in the event of death within 90 days after an accidental death and cover is provided 24 hours a day anywhere in the world. Funeral cover is also an alternative of cost effective insurance that could pay for your funeral and all funeral related expenses.

Every one knows someone who has passed on before their time due to accident or illness and it is too late after a diagnosis or that dreaded phone call to advise the death of a loved one to lament that you “woulda, coulda, shoulda”. Now is the time to invest in your families’ future security. Contact us for a no-obligation quote.

Why should you engage us to quote and advise on your Life Insurance?

Because we have access to the market on all aspects of Insurance.

What makes us different from other Brokers?

We’re a small team with special relationships with all our Providers. We can tap into their expertise and tailor a plan that is unique to you and your family.

You will have access to Gary 24 hours a day, 7 days a week. He will come to you regardless of whether you live in Warkworth or Pokeno.

As part of our financial advice we like to make sure that our clients have the appropriate insurance required to cover them and their families. Do you have Life or Disability Insurance cover? If yes, have you reviewed this in the last 12 months? We can review this for you on your behalf to make sure you have the best cover, this is a free no obligation quote and can be tailored to meet your budget. You can email your enquiry or call (09) 424 4375 and ask for Claire who is our in house Insurance specialist, once she has all the relevant information she will be able to give you a quote within one hour.

Overview of Insurance that is relevant to you and your family, we can quote on for you and this is a free no obligation quote. (Insurance can be tailored to suit your budget).

Life Cover – Provides a lump sum payment to your dependents, or other nominated beneficiaries, in the event of your death. Whether it’s used to buy a new house, pay off the mortgage or bank loans, or for education or retraining, your loved ones will have more choices to help them get on with life.

Trauma Cover – provides you with a one-off lump sum payment to reduce the strain, both financially and emotionally, of dealing with a serious illness or injury. You can use the lump sump for whatever you wish, such as medical treatment, rehabilitation expenses, transport cost or paying off the mortgage.

Mortgage Repayment – provides a monthly payment if you are totally or partially disabled and unable to work due to illness or injury – even if you don’t have a mortgage.

Income Protection - protects one of your most important assets – your income. It pays a percentage of your lost income on a monthly basis if you are disabled and unable to work due to an illness or injury. This could help pay your bills and meet other financial commitments while you’re off work, allowing you to focus on your well-being and recover.

Buying Online maybe cheaper BUT cheaper is not necessarily better, considering you may not realise this until it is too late! Claim time is when an insurance company’s mettle is really tested and this is the time when you need an advocate to help you through the mire of insurance and legal jargon. We will advocate for you and help you at a time when you have so much to deal with.