The Safety Net You Don’t Want to Find Out You Need

What counts as personal insurance?

• Life insurance: Pays a lump sum if you pass away, helping your family cover debt and living costs.
• Trauma cover: Pays a lump sum if you’re diagnosed with a serious illness like cancer, heart attack, or stroke.
• Income protection: Replaces part of your income if illness or injury stops you from working.
• TPD cover: Pays a lump sum if you’re permanently unable to work.

Why it matters

1. Your income is your biggest asset.
2. Medical costs can still hit hard in New Zealand.
3. Debt doesn’t disappear if you can’t work.
4. It keeps your family’s future on track.

When to check your cover

Bought a house? Had kids? Taken on debt? Changed jobs? All good reasons to review your insurance now, not later.

The bottom line

The right insurance means you don’t have to wonder how you’d cope if life blindsided you. At Invicta Financial, we help you build a plan that protects what matters, fits your budget, and lets you focus on living – without the “what if” hanging over you.