Life Insurance is designed to give you peace of mind that your loved ones will have financial certainty if the worst happens.
The impact of life Insurance can be profound, but while Life insurance may appear straightforward the impact of not getting the right advice can be devastating. The advice I provide makes sure the right money gets to the right hands at the right time.
CRITICAL CONDITION COVER
How would you cope financially if you were suddenly affected by Cancer, heart attack, stroke, or one of another 45 or so serious medical conditions?
Critical condition cover will pay you a lump sum at a very crucial time, and will give you options such as the ability to take time out to focus on your recovery or give you the option to fund alternative therapies
MORTGAGE + INCOME PROTECTION
Your income is the greatest Asset you will own, and far too few of us have it insured and are therefore leaving our future hopes & dreams to chance. You can choose to insure your income or your mortgage repayments.
Your situation is unique and therefore getting the right advice is crucial!
What if you could never work again? How would that impact your future plans?
Disablement cover is designed to pay you a lump sum if you are no longer able to work due to a serious illness or accident.
This amount is typically used to clear debt, fund housing alterations that may be required, and to protect you and your loved ones from the financial impact that such a serious event would cause.
Our Health is something many of us take for granted. We are very lucky here in New Zealand to have a very good public health system, but the reality is that many people still have to wait a significant time period for appropriate treatment or face paying for elective surgery costs themselves.
Health Insurance gives you the ability to have yourself or a loved one treated with priority and gives you control of your treatment providers, and peace of mind.
It's easy to become complacent with the cover you have in place.
Products available from our suppliers are constantly changing, just as are your personal circumstances. It's important to review your current policies annually or if your circumstances change to ensure you have the best value cover to suit your needs and changing lifestyle
Do you have the right cover?
Often when circumstances change the first instinct is to reduce policy cover in order to reduce premiums. This is, however not always the best approach. A policy audit allows us to review your personal circumstances and prioritise your cover to ensure there is still the best possible cover to meet your financial requirements