Everyday we face a wide range of risks to our personal wellbeing and lifestyle. Although we can't control the occurrence of the major physical risks such as death, trauma or disability, forward planning can generally help minimise the impact of such an event.

• LIFE COVER • DISABILITY INSURANCE • MEDICAL INSURANCE • TRAUMA / LIFE CARE / LIVING ASSURANCE

The above insurance is so basic to the security of your family, the day you fall apart, all you have could fall apart. Creditors comes first, your family comes second.

However, not if you build a personal program that provides basic security to your family.

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LIFE INSURANCE
WHY YOU NEED IT ?

Everyday you face a wide range of risks to your personal wellbeing anf lifestyle. Life Insurance cover helps you minimise the financial impact of death or terminal illness.

Life Cover Benefit is designed to provide security for a wide range of financial commitments by paying lumb sum on your death. If you have debts which you would like paid on your death, or want to create a capital lump sum that your family can draw upon to meet their needs, then life assurance is an essential part of your financial planning.

TOTAL AND PERMANENT
DISABLEMENT INSURANCE
WHY YOU NEED IT ?

While for most people the early death of an income-earner would cause serious financial strain for those left behind, the financial impact would be just as serious if that income-earner became totally disabled and unable to work for the rest of their life. In some cases, the hardship experienced would be even more profound as ongoing daily living and medical costs for the disabled person could be significant.

Disability cover is the most important insurance cover that we all like to have because payment on this particular benefit is paid when we are alive but unable to earn due to sickness or injury.

TRAUMA / LIFE CARE / LIVING ASSURANCE / CRITICAL ILLNESS
WHY YOU NEED IT ?

The diagnosis of a serious illness is devastating in any circumstances but the burden will be far greater if your financial security is also put at risk.

The benefit is paid on dignosis or on the actual occurrence of a defined critical illness or condition and is paid lump sum or a fixed percentage of the amount insured.

New Zealanders are suffering and increasing incidence of cancer and we still experience high levels of heart disease and stroke. Due to advances in the medical science, we have greater chances of surviving a serious medical condition. In many cases the the survival period can be measured in years.

A critical condition can occur without warning, often requiring the sufferers to make major changes to their lives and the lives of people around them. In many cases, changing work or careers will directly affect income and ability to service debt and other financial obligations. Trauma/Life Care/Living assurance can make a critical contribution towards the financial survival of families and businesses by providing cash early for the insured to use as they see fit.

MEDICAL COVER
WHY YOU NEED IT ?

Medical Cover provides for the reimbursement of significant medical expenses, in particular admission to private hospital for care and surgery in the event of a non acute medical condition such as cancer and heart disease so that you can get treatment when you need it without having to endure public hospital waiting list.

The New Zealand public health system provides outstanding care for acute conditions, which can hit all of us without warning. Unfortunately the public health system does not have sufficient funding to ensure people with non-acute conditions be treated swiftly enough to prevent the condition from causing them unnecessary long-term discomfort.

Major Medical Cover is designed to give you peace of mind, if the unforeseen does happen and the Public Health system cannot help you, you can afford to get expert medical treatment when you really need it.