Your
Life Needs

We take the time to listen and understand what is most important in your world. We are here for you and your family to give you solutions to some of life’s unexpected events and help provide you with peace of mind, knowing that you and your family are covered.

This coverage provides for medical expenses, including hospitalization, prescription drugs, and preventive care. It acts as a financial safety net for unexpected medical needs.

This is a financial arrangement where a policy pays out a sum of money to the beneficiaries upon the death of the insured person. It provides financial protection and support to the loved ones left behind, helping them cope with expenses and maintain their financial well-being.

Also known as critical illness insurance provides a lump-sum payment if you’re diagnosed with a specified critical illness or experiences a traumatic event, such as a heart attack, stroke, or cancer. This financial support is designed to help individuals cope with the immediate financial impact of a serious illness or injury, covering medical expenses and other costs during a challenging period.

This cover is a financial safety net that provides individuals with a regular income in case they are unable to work due to illness, injury, or disability. This coverage ensures a steady flow of funds to help cover living expenses and maintain financial stability during periods of incapacity to work.

Key person insurance is a type of life insurance businesses take out on key employees. It provides financial protection to the company if the key employee dies or becomes incapacitated. The policy pays out a benefit to the business, helping cover losses like lost revenue, hiring costs for replacements, and repayment of debts. This insurance is crucial for businesses reliant on key individuals for their success.

This refers to a situation where one or more shareholders purchase the shares of another shareholder in a company. This can happen for various reasons, such as retirement, disagreement, or a change in the company's ownership structure. The buyout involves the transfer of ownership and often includes negotiations on the terms and valuation of the shares.

This is an arrangement where a benefit or service is offered to a group of people in an organisation/company. This could include group insurance plans, health schemes, KiwiSaver or other benefits provided to members of a company. Group schemes take advantage of the collective nature of a group to offer more favourable terms or rates compared to individual arrangements such as:

This cover provides financial protection and assistance during trips within New Zealand. It covers a range of unforeseen events, including medical emergencies, trip cancellations, lost baggage, and other travel-related risks. This insurance helps travellers manage unexpected expenses and disruptions while away from home.

KiwiSaver is a voluntary retirement savings program in New Zealand where individuals contribute a portion of their income to the KiwiSaver account, with additional contributions from employers (minimum 3% of your salary) and government incentives (maximum of $521/year).