Home · How we help · Protecting my family
If something happened, the family wouldn't miss a beat. That's the goal.
Cover that keeps the mortgage paid, the kids in their school, and the lights on, even if life takes a left turn. Set up properly the first time, reviewed when your life changes.
What we look at
Six conversations, one plan.
We won't recommend everything, most families only need a few of these. The job is working out which ones, at what level, and how they fit together.
Health insurance
Private surgery, specialist consults and treatments, without the public-system queue. Particularly valuable when waiting isn't an option.
Trauma cover
A lump sum on diagnosis of a serious condition (cancer, heart attack, stroke and more). Gives you space to focus on getting well, not paying bills.
Income protection
Replaces a portion of your income if illness or injury stops you working. Your biggest asset is the ability to earn, this is how you insure it.
Mortgage protection
Keeps the mortgage paid if illness, injury or redundancy stops your income. Particularly important if you've recently bought.
Permanent disability cover
A lump sum if you're permanently unable to work in your usual occupation again. Designed to top up income protection over the long haul.
Life cover
A lump sum paid to the people you love if you die. Usually used to clear the mortgage and replace lost income for a number of years.
Why this matters
95% of Kiwis insure the car and the house. Only 1 in 5 insure the income that pays for both.
Most families have insured the smallest assets and left the biggest one, their ability to earn, completely exposed. That's the gap we usually start with.
Questions families ask
The bits people usually want clear up front.
I'm young and healthy, do I really need any of this?
Cover is cheapest when you're young and healthy, and underwriting is easiest. Locking in income protection or trauma cover now usually costs a fraction of doing it in your 40s, and pre-existing conditions can't turn up later to disqualify you.
I already have life cover through my mortgage, isn't that enough?
Often it's just decreasing term cover designed to clear the loan and nothing else. We'll review what you have and tell you honestly whether it's doing the job, or whether there's a meaningful gap.
What does cover actually cost?
It depends on age, occupation, smoking status and the cover amounts. We'll give you real numbers, not a teaser.
Will my premium just keep going up every year?
Some policies are designed that way (stepped premiums) and some lock in a flat rate for a chunk of the cover period (level premiums). Both have a place. We'll explain the trade-off in numbers, not jargon.
Let's map out your family's 'what if'.
15 minutes is usually enough to know whether you've got the basics right, and what to do next if you haven't.
Prefer to ring?
Monday to Friday, 8:30am to 5pm.