Personal Insurance
“Cost-Effective insurance that Protects you when you need it most”
To provide a tailored insurance plan, we need to understand your personal situation, goals, and financial objectives. Our aim is to earn your trust, ensuring you feel confident that the recommended solutions are the right fit for you and your loved ones.
We follow a comprehensive six-stage process to thoroughly understand your personal situation and ensure the proposed plan addresses your financial needs. Once you are satisfied with the proposed roadmap, we will proceed to the implementation stage. Additionally, we will offer you the opportunity to meet annually for a review to ensure the plan remains relevant.
Life
Insurance
Who stands to lose out if you die too soon. Not only do families’ have an emotional burden when they lose a loved one unexpectedly, they often also face financial hardship especially of that person was the main earner or caregiver of children. We can help ensure they are taken care of when you are no longer around.
Total & Permanent Disablement Insurance
This is a lump sum payment paid to you if you can no longer and will never work in your occupation again (Own occupation) or any occupation which you have any prior training or experience (Any occupation).
Income Protection
Insurance
This is a monthly payment of a percentage of your before disability income (Similar to ACC). This policy works when you have a medical note detailing that you are unable to work and accompanying financial losses from the direct effect of not being able to work. There are multiple sub-products under this type of cover and each react differently to situations. Its best to get in touch with us to discuss this further.
Trauma
Insurance
This is a lump sum payment made on the diagnosis of a major medical event listed on the insurers claimable events. Although they have lists of tens of incidents the major three tend to be for Heart Attacks, Cancer, and stroke. Having this type of cover allows you the ability to recover in your time while still meeting financial obligations.
Health
Insurance
Allows you the ability to seek medical treatment from private facilities and in a timely manner as soon as you have a specialists recommendation. This is a stark comparison to the treatment some people face in the public sector which can look like poor communication and even poorer wait times to get the treatment they need. Medical bills can cost up to $100,000 per surgery and in excess of that for Non-Pharmac drugs. The wise decision is to outsource that cost for a much smaller premium each month.
business insurance
Buy Sell
Insurance
Many companies have never thought about what they would do if their business partner(s) died or became disabled. Who inherits their share of the business? Would you want to be in business with their spouse or kids? If not you would either have to find the cash to buy their shares off of the family (if they will sell them) or you need a Buy-Sell insurance policy. Along with a sound legal agreement from your solicitor an effective Buy-Sell agreement means that upon the death or disablement of a shareholder the solicitor will receive a lump sum payment form the insurance company. This will then be used to buy the shares off of the dead shareholders family and the shares can then be divided amongst the remaining shareholders without any additional funding required.
Debt Repayment
Often times if a shareholder passes away or becomes disabled the creditors to the business may have doubts that the business will keep running with enough income to meet their debt obligations. This is a significant problem because if the bank calls its loan the business will need to fund it from cash reserves or by selling assets. For most this is not possible and for the ones that can do this it often results in massive reductions in revenue and profit.
Key Person
Cover
This cover allows the business time to think of a plan and implement it after they have lost a Key Person to death or disablement. It might mean hiring a replacement or changing how the business operates to cover the gap left by that person.
Group Insurance
Employee Benefit Schemes
Workplace Health, Life and Income Protection schemes help businesses retain and attract staff. It also provides the business with an opportunity to add members to the scheme (including their own families) without any underwriting and covering all pre-existing conditions.
Our Trusted Providers
