525 Awahuri Feilding Rd Rd9 Palmerston North, 4479

Life, business and health Insurance Advisers: Manawatu and Palmerston North

Prepare for the unknown for you and your loved ones, including your livelihood and ability to work. If the worst happens, you and your family will have financial support when it is needed most.

Our Portfolio Covers Personal and Business Insurance:
Including but not limited to:

Life cover

There are many life uncertainties, for example, the arrival of a new family member and taking a new mortgage. These occasions bring additional responsibilities that call on us to be financially prepared so that our families are protected, should something unfortunate happen to us.

A life cover can be used to :
# Pay expenses such as final illness and funeral costs, eliminating the need to sell estate assets to cover these costs
#Clear mortgage and other debts.
# Leave a surviving loved one with a nest egg.
# It provides income to surviving family members.

Trauma insurance

A traumatic event can make the likelihood of making a financial recovery less certain. Trauma Cover insurance (also known as critical illness insurance) provides a cash lump sum in the event of contracting a specified disease or trauma.

 Why should we consider having trauma Insurance?

  • The cash lump sum can be used to pay for specialist medical treatment or pay for drugs that are not government funded.
  • It can be used to repay debts and avoid stress for you and your family
  • It can be used to cover the costs of modifications to your home that will aid in recuperation and rehabilitation.
  • You decide to how and when you spend this lump sum payment.
Income protection insurance

Income Cover pays a monthly benefit during periods when you are unable to work in your own occupation due to illness or injury. It provides a steady income to support you while you concentrate on recovery. The benefit starts after a waiting period which you choose and is paid for a period which you choose.

Why Income Cover Insurance?
If we lost our ability to work for one month, one year, five years, or possibly for the rest of our working life, our quality of life would be severely affected and especially our ability to earn an income. How would we pay our bills and feed our families? Having income protection is a good way to prepare against this risk.   Without much in savings, you could end up with a serious financial problem quickly.

Total and permanent disability insurance

It provides a lump-sum payment to help you and your family in the event you suffer a long-term disablement that prevents you from working again.

Why Total and Permanent Disability Cover Insurance?
A long-term illness or disability that prevented you from ever working again; losing the ability to use your limbs or unable to undertake activities of daily living is always a potential risk to all of us. TPD cover provides financial protection should you get into this situation. It pays to assist you with your loved ones financially. This lump sum can be used however you choose, from paying off your mortgage to investing the money to create an income.
PRIVATE MEDICAL INSURANCE

Why have private medical Insurance? Private medical insurance ensures that we have choices and peace of mind if things went wrong. The public health system with its limited resource must rationalize its resources, and most often non-acute treatment or assessment is consigned to the waiting list. With these competing needs, you may not have a choice of when and where you receive treatment and whether you have access to the latest treatment or medicines.

Below are reasons to have private medical insurance

  • Access to fast treatment when and where it suits you.
  • Treatment in a comfortable environment with excellent care and service to speed up your recovery.
  • You can choose from the extensive private hospital lists.
  • Access to best doctors and treatment here and abroad. 

The private medical cover provides the funding to enable you to have private hospital treatment whenever you require more immediate access or a broader range of treatment options that are available to you through the public health system.

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