Personal insurance advice tailored to you.
Protecting yourself and those who matter most starts with understanding your options. We help you explore insurance solutions suited to your needs and circumstances.
WHAT WE CAN HELP WITH
Cover for life's unexpected moments
Personal insurance can provide financial support when unexpected events affect your health, income or family. At Time Vision, we help you understand the different types of cover available and explore options suited to your circumstances, priorities and budget.
Life insurance
Life insurance can help provide financial security for the people who depend on you if you pass away. Depending on your circumstances, a lump-sum payment could help your loved ones manage mortgage repayments, everyday living expenses and other financial commitments.
Whether you're starting a family, buying a home or reviewing existing cover, we can help you consider how much protection you may need and explore suitable life insurance options.
Health insurance
Health insurance can help with the cost of eligible medical treatments and provide access to private healthcare, depending on your policy. Different plans offer varying levels of cover, including options for surgical procedures, specialist consultations and diagnostic tests.
We can help you understand what's included, compare available options and consider factors such as premiums, excesses and exclusions so you can make an informed choice about your health insurance.
Income protection
If illness or injury prevents you from working, the loss of regular income can quickly affect your ability to meet everyday expenses and financial commitments.
Income protection insurance is designed to provide regular payments when you're unable to work due to a covered illness or injury, subject to the terms of your policy. We can help you explore the available options, including waiting periods, benefit periods and levels of cover, to find an arrangement suited to your circumstances.
Trauma insurance
A serious illness or medical condition can bring unexpected financial pressures, from treatment and recovery costs to changes in your ability to work.
Trauma insurance can provide a lump-sum payment if you're diagnosed with a specified medical condition and meet the policy's claim criteria. This money can help provide financial flexibility while you focus on your recovery.
We can help you understand the conditions covered, how trauma insurance works alongside your other policies and whether it has a place in your overall insurance arrangements.
FREQUENTLY ASKED QUESTIONS
Common questions about personal insurance
How much personal insurance do I need?
The amount of cover you may need depends on your circumstances, including your income, debts, financial commitments and the people who rely on you. A financial adviser can help you assess these factors and consider an appropriate level of protection.
What's the difference between life insurance and trauma insurance?
Life insurance generally provides a lump-sum payment if the insured person passes away, or in some cases is diagnosed with a terminal illness.
Trauma insurance is different. It can provide a lump-sum payment if you're diagnosed with a specified serious medical condition, such as certain cancers, heart attacks or strokes, and meet the policy's claim criteria.
Both types of cover serve different purposes and can work together as part of your overall insurance arrangements.
Can I change my insurance as my circumstances change?
Yes, many insurance policies allow you to adjust your cover as your circumstances change. For example, you might want to review your insurance after buying a home, starting a family, changing jobs or paying down debt.
Depending on your policy, increasing or changing cover may require further health information or underwriting and could affect your premiums.
A financial adviser can help you review your existing arrangements and understand the options available.
Is it worth reviewing insurance I already have?
Yes. Your insurance needs can change over time, and the cover you originally arranged may no longer reflect your current circumstances.
A review can help identify potential gaps, overlapping cover or policies that no longer suit your needs. It can also help you understand whether your existing cover remains appropriate.
Importantly, replacing an existing policy isn't always the best option. Changes could affect your premiums, benefits or coverage for pre-existing conditions, so it's worth understanding the implications before making any decisions.
How much does personal insurance cost?
The cost of personal insurance varies depending on factors such as your age, health, occupation, the type and amount of cover you choose, and the insurer's terms.
Policy features, waiting periods, excesses and other options can also influence premiums.
At Time Vision, we can help you explore insurance options and consider the balance between the protection you need and what fits within your budget.
OUR PROVIDERS
We work with a range of insurance and lending providers
Let's talk about your needs
Whether you're reviewing your insurance or exploring lending options, the Time Vision team is here to help.
PO Box 84-237
Level 1, T88 - Northwest Shopping Centre, Fred Taylor Drive, Westgate, Auckland, New Zealand
Our services
Personal insurance
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Disclosure statement
Important information
All Time Vision advisers are members of AdviceQual Financial Advice Provider. Financial advice is provided under the licence held by AdviceQual.
For more information about our financial advice services, including the scope of our advice, how we are remunerated and how complaints are handled, please read our Financial Advice Disclosure Statement.
