Insurance
Life Insurance
Life insurance is protection against financial loss that would result from the premature death of an insured. The named policy owners receive the proceeds and are thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration of premium payments made by the insured.
Trauma Insurance
Trauma otherwise known as Critical Illness cover is an insurance product that pays a lump sum or partial financial benefits or cash payments if the policy holder is diagnose with one of the specific medical conditions stipulated and defined in their policy contract.
Total Permanent Disability Insurance
This protection plan can provide a lump-sum payment, and financial peace of mind should you suffer a total and permanent disability, through sickness or injury, that results in being unable to work.
Income Protection
Income Protection Insurance is a type of insurance that provides individuals with continuity of income should they suffer a long-term illness, disability or other loss of income that is not covered by ACC. Moreover, one type of income protection insurance pays a percentage of your income after a qualifying period.
Mortgage Repayment
Mortgage cover shall pay 110% of the monthly mortgage repayments on your property (residential). This will help, in terms of additional expenses such as house and contents insurance or land rates and any increase in interest rates. Income protection shall cover 40% of your gross income. Even if you are renting, you are still covered for your rent payments if you become sick or injured and unable to work.
Health Insurance
Good health is undoubtedly invaluable. Health insurance takes care of your medical bills and provides you with faster medical care that suits your needs. It’s available to children from birth and there’s no underwriting required within their first three months of life.
Business and Rural Insurance
Fire and General Insurance
General insurance includes products such as car and home insurance, and in simple terms excludes only life and business insurance.