Personal Insurance

Life cover is about protecting the people you love from financial stress if you’re no longer here. It provides a lump sum that can help pay off the mortgage, cover everyday expenses, and give your family time to adjust without money worries. We’ll help you figure out the right amount of cover, no pressure, no upselling, just advice that puts your family’s future first.

A serious illness or major medical event can turn life upside down, and the last thing you need is money stress on top of it. Trauma cover provides a lump sum if you’re diagnosed with a covered condition such as cancers, heart attacks, strokes among a comprehensive list of medical issues. You can use it however you need, for treatment, time off work, or simply keeping the bills paid while you focus on recovery. We’ll help you get the right cover in place so you can concentrate on getting well.

If an injury or illness means you can’t work again, TPD cover provides a lump sum to help you and your family adjust. Whether it’s paying off debts, modifying your home, or retraining for a new path, this cover gives you financial breathing room when you need it most. It’s not an easy topic, but having this safety net can make all the difference.

While New Zealand’s public health system does its best, some treatments come with long wait times and unexpected bills. Health insurance helps cover those medical expenses, giving you access to private hospitals, faster diagnostics, and specialist care, so you get the treatment you need without the wait or the financial stress. We’ll help you find the right cover for you and your family, so you can focus on getting better, sooner.

Your income keeps everything in your life running, so if illness or injury stops you from working, things can unravel fast. Income protection replaces part of your income with monthly payments, helping you keep up with bills, mortgage or rent, and everyday costs. We’ll help you choose the right plan for your needs, so you can focus on getting back on your feet without worrying about how to keep the lights on.

We’ve all had a broken bone or know someone who has, and these injuries happen more often than you’d think. This cover pays a lump sum based on the injury, from simple fractures to more serious ones, helping with the costs while you focus on getting better. It’s an easy, affordable backup that fills the gaps ACC or other insurance might miss, with little hassle when it comes to claiming.