We’re your insurance specialists.

Personal Insurance Covers.

Life Insurance

No one is invincible and we are all going to kick the bucket one day. What do you want to leave behind?

Trauma / Critical Illness Cover

The stats will speak for itself when you look at the number of people affected by critical illnesses such as cancer, stroke & heart attack.

Medical Cover

Jump the long waiting lists for procedures and surgeries; get access to private specialists, non-pharmac drugs and much more.

Income or Mortgage Protection

The most important thing about your lifestyle is your ability to income. Yet only 15% of kiwi homes' incomes are protected.

Total & Permanent Disablement Cover

Incase of permanent disablement, TPD provides financial relief to that person and their household.

Business & ACC Cover

Shareholder Protection

Shareholder Protection is a lump-sum benefit designed to fund the buy-sell agreement commitments of the business for a shareholder whose Total Long Term Disability, Total and Permanent Disability, Terminal Illness or Death would trigger the buy-sell agreement.

Debt Protection

Debt Protection is a lump-sum benefit designed to fund business debt payments upon Total Long Term Disability, Total and Permanent Disability, Terminal Illness or Death of any employee, owner or sole trader - whose death, terminal illness or total long term disability would trigger a requirement for the debt to be repaid. 

Key Person Cover

Key Person Cover is a lump-sum benefit designed to provide a capital injection into the business upon the Total Long Term Disability, Total and Permanent Disability, Terminal Illness or Death of a key employee or sole trader of the business. The purpose is to cover costs to replace a key person of the business.

ACC Cover Plus Extra

ACC is a cover for accidents only and the default ACC Cover requires you to prove your income at claim time which is annoying if you’re self-employed.

We re-structure ACC cover to ACC Cover Plus Extra (ACC CPX) which allows you to have an agreed-value contract with ACC (no need to prove income at claim time). We also combine ACC CPX with Business Income Cover to ensure you are covered for both accidents and illnesses.

Business Income Cover

Business Income Cover is an agreed monthly benefit that acts as a revenue replacement benefit when a key employee or sole trader is disabled, either totally or partially. 

Business Income Cover works synergistically with ACC CPX to ensure you are getting better value for money on your cover (as you will get cover for both accidents and illnesses).

Employer Group Scheme

We can help set up group life and medical cover for your company (minimum numbers apply). The benefits are great for both employer and employee.