Personal Insurance
Have you insured the person you love?
Life Insurance
Family member is essential for everybody. There are too many uncertain circumstances that may happen in everyone's life. The lost family member is deep pain for the whole family. The financial crisis should not become a big shock to damage the family.
Life insurance design to cover financial crisis risks after a sudden change of family. Current life and future life plan will not be affected by the sudden change.
Health Insurance
New Zealand public health system provides medical treatment and consultant for New Zealand residents. Any accident relative treatment which is relative to ACC (Accident Compensation Corporation). Both two systems provides excellent services for all New Zealand residents.
However, long waiting time for treatment is the main problem in the public hospital. Long waiting time leads to adverse therapy for patients. The delayed treatment hurt not only their body but also psychology.
Any injury or illness is not relative to the accident, which will not be accepted by ACC. All patients need to pay themselves for non-relative treatment, Surgery, specialist consultant, medication.
Trauma Insurance
What is daily life? Family living expenses, children's education, transport cost, and food shopping expense, which may involve in every family. The family needs regular income to support all members' daily living. Severe illness or injury from the main income family members may damage the whole family.
There is no only a shortage of family income but also lead to expensive medical treatment expenditure—trauma insurance design to use a lump sum payment to cover financial impact from severe illness or injury.
Total Permanent Disablement Insurance
Different work environment creates various risks for different people. Some people like to work in a hazardous environment because of higher income benefit.
There is no guaranty to protect unexpected risks away from everybody who takes their work risks. Total permanent disablement insurance design to cover insured persons lost their income if any illness or injury happened.
The cover is not just including medical treatment. It also has other support benefits to support the insured person and their family back to a healthy life.
Income Protection Insurance
Regular income is a crucial point to support daily family life. However, unstable everyday life risks may happen suddenly. Any severe illness or injury may affect the primary income earner.
A shortage of family income may seriously affect family daily life. Income protection insurance is based on the insured person's regular income and provides proportion income to support the insured person's family life. The negative effect of the reduction of income will be minimum.
Mortgage Protect Insurance
Home loan repayment is one of the most significant family expenses for most families. Fail of payment may lead the property was sold by the loan provider.
However, unexpected serious illness or injury may bring financial hardship to the family. The mortgage payment risk needs to be covered. The family also needs a compulsory place to live.
Mortgage protection insurance provides mandatory payment for the loan provider. It also helps to reduce payment failure risk from both two sides.
Any concerns about your insurance?
If you got any concerns about you or your business, please contact us. Our friendly adviser will help to choose the right insurance for you.