for Business Owners

Insure your ‘Key person(s)’ to ensure the revenue of the Company in the event of long term injury, illness or death.

Provide Shareholders Protection for two or more Directors to ensure shares are dispersed correctly upon a death or disability of a Director.

Insure debt and overheads of the company to minimise loss of profits.

Cover running costs of the Company and remove debt upon a Director and/or Keyperson unable to work. 

Provide adequate Income cover upon the Insured being disabled and unable to work.

Coordinate with ACC cover to ensure both work at claim time.

Reduce ACC costs to provide “the best value for money”.

Provide medical cover for staff and employees as part of ‘Staff Wellbeing’. 

FOR FAMILIES

Clear your mortgage and provide Income upon death of Mum or Dad
 
Pay the mortgage off upon a Heart, Cancer or Stroke illness or Permanent Disability 
 
Ensure your Income continues when there is an accident or sickness (ACC only    pays just under 60% after tax and sickness benefit approx $190 a week)
 
Pay your private medical costs so you don’t have to wait 2 to 3 years on the  Public waiting list.

HOW DOES IT WORK

INTRODUCTION

We have an initial meeting to establish the basis of a working relationship. Together we establish your needs and more importantly ‘your wants’ (priorities) in order to protect your home, assets, business, family and income.

RESEARCH
We "fact find" and analyse data to source best options for you as a client through the main insurers.

PRESENT
We have a second meeting with you to discuss the options and then gather personal details for ‘prior-approval’ from insurer

UNDERWRITE
We liaise with the Insurer for both medical and financial acceptance of chosen covers

ISSUE POLICY
Upon acceptance we have a third and final meeting to confirm covers and sign paperwork.

REVIEW
Policies are reviewed and kept up to date in line with your requirements and any changes in circumstances

CLAIMS
We assist with getting your claims paid for you. Whenever the need to claim arises, you can contact us and we will help walk you through the process, going in to bat for you if any complications arise.