Personal Insurance


About Personal Insurance

Personal insurance is designed to protection what can be the most important parts of your life : your family and your health, your lifestyle and your future.  This can be especially important at pivotal moments such as getting married, buying a home, or starting a family or business – enabling you to be in control should the unexpected happen.

Who would take care of the mortgage and other commitments if you were unable to? What would that mean to your loved ones and their plans for the future?

We can help protect you and your family, no matter what stage of life you are at.  We have access to a wide range of products and suppliers to suit your individual needs.  Some protect again pre-mature death others if you become ill or disabled.

The RIGHT Policy, with the RIGHT benefits, at a premium that you can afford will help you protect your family at the time of need.


What We Offer

Life Insurance

Life Cover protects the lifestyle and future of your family and loved ones if you die. Find Out More Here >

Family Protection

When will a family protection benefit be paid? A Family Protection Benefit becomes payable when the life assured for the benefit dies.  The benefit is payable monthly, when the Insurance Company is satisfied with all the information that must be presented at the time of making  a claim. The benefit will be payable for the term as agreed and stated in the schedule of policies.

Trauma Cover

A Trauma Benefit is payable if the life assured suffers for the first time after the risk commencement date, a severe medical condition as listed in the policy document and survives for at least 14 days thereafter.  Some conditions may result in partial payment and others full lump sum payment of sum insured. This could be arranged as accelerated benefit to Life Cover or as a Standalone benefit.  Some major conditions that may be covered include – Cancer, Heart, Major Neurological disease, Paralysis and loss of functionality. Worldwide Cover –  Provides cover anywhere in the world, 24 hours a day. Something To Think About – Serious illness, such as cancer, heart attack or stroke, is more common than you might think, and the cost of recovery can have a huge impact on you, your family and your business.

Total Permanent Disablement Cover

It’s easy to take good health for granted but sometimes we become ill or have an accident and, if it’s serious, we might be unable to work ever again. Total Permanent Disablement can provide a lump-sum payment, and financial peace of mind, should you become totally and permanently disabled and be unable to work, through accident or illness. Types of Cover: There are two types of Total Permanent Disablement cover available, depending on your occupation:

  • Any Occupation
  • Own Occupation

Waiver of Premium

Why continue to pay your insurance premiums if you become totally disabled? What is waiver of premium – Waiver of Premium removes the burden of paying premiums when you are unable to work due to total disability, saving you money when you need it most.

Accidental Death

Accidental Death Benefit is payable when the life assured for the benefit as specified in the schedule, dies from an injury caused by violent, accidental, external and visible means within 90 days after the date on which the injury happened. Death must occur before the life assured turns 65. The sole cause of death must be the accidental injury. The benefit is payable as soon as the Underwriter is satisfied with all the information, which must be presented at the time of making a claim.

Specialist and Diagnostic Testing

Getting specialist treatment through the public health system may take longer than you think it will. What if you have a life-threatening illness? Is it really worth the wait? Specialist and Diagnostic Testing covers specialist consultations and diagnostic procedures such as oncologist and cardiologist consultations, and MRI and CT scans. Excess option: You can select an excess for your Specialist and Diagnostic Testing benefit to make your premiums more affordable. The excess applies once per life assured, per policy year.

Mortgage and Income Protection

Your home is simply too valuable an asset to put at risk. The last thing you want to see is your home slip out of your hands, if for some reason you can’t meet your mortgage instalments or rent payments. Mortgage and Income Protection insurance can help cover your monthly mortgage instalments or rent payments or other expenses if your earning capacity is seriously affected by illness, disability or redundancy; ensuring your lifestyle is protected.


This benefit provides an installment benefit payment to be made for a maximum period of six months if the life assured is made redundant.

Disability Income Protection

This benefit protects a clients greatest asset – their ability to earn an income.  It provides for a monthly payment to be made to an individual who is unable to work due to sickness or injury. It is essential for anyone with a partner or a family dependent on the insured’s income for the maintenance of their lifestyle. There are various types of Disability Income Protection policies – Agreed Value, Indemnity Value, Loss of Earnings policies.  Talk to us and we will advise you of the right type that may be suitable for your circumstances.

Retirement Protection

The Retirement Protection Benefit is an optional benefit that covers employee contributions to the life assured’s KiwiSaver scheme. This optional benefit is only available on a Disability Income Indemnity, Agreed Value, Loss of Earnings or Mortgage and Income Protection policy.

Speak To Us Today About The Best Insurance For You