Personal Risk Insurance
Life Cover
Protect your life and your lifestyle to ensure financial stability in the event of your death.
Ask yourself the question: “If I were to die tomorrow, how would my family cope financially?”
Life Cover brings peace of mind, knowing it can repay debt and let surviving family members continue to live without additional financial stress.
There are certain times in your life when you have to rethink your cover:
– if you’ve taken out or increased your mortgage
– a change to your marital status
– if you’ve had a child
– a change in employment
Each time an event like this happens it changes whatever plans you may have. It’s important to regularly review your situation.
Trauma Insurance
Cover for a major illness or injury.
At the time of a very traumatic event, you don’t need the burden of financial hardship on top of your recovery.
With Trauma Cover you will receive a lump sum payment to enable you to:
repay your mortgage or reduce it to a manageable level
assist with medical costs associated with your recovery
seek alternative treatment
pay for drugs that are not Government funded
give yourself time to recover without financial stress
The right cover gives you the financial freedom to make your own choices.
Children’s Trauma
This provides future insurability options for your child and cover if they suffer a major illness or injury, so you can be rest-assured they will get the best care possible and meet immediate expenses.
Permanent Disability Cover
Cover if you become totally and permanently disabled and can’t work again.
The right cover will make life easier for your and your family.
You may receive limited ACC cover and a basic sickness benefit. But would this be enough to cover your current living expenses and provide for the future? Probably not.
A significant cash injection can be used in a variety of ways – repaying your mortgage, or adapting your home to make everyday activities possible. It also gives you options if you have extra living costs or if your partner needs to give up work in order to care for you.
Income Protection
Receive a regular payment if you’re unable to work due to illness or injury.
Think about how much income you could generate over your entire working life.
Then ask yourself: if you were unable to work because you had an accident or became very ill, how would you manage financially?
With Income Protection you’re paid a regular monthly income for a predetermined period or to a predetermined age. It can give you the ability to be financially independent.
What about ACC?
Statistics have indicated that 1 in 3 people will be off work for 6 months or longer before age 65. Only 5% are for accident related causes for which ACC may be relevant.
The majority of people will be unable to work for an extended period of time because of illness – which ACC won’t cover. So after using all your sick days and annual leave, you still have all your commitments and living expenses to pay.
If you’re self employed you don’t have the options of sick and annual leave.
Having Income Protection cover in place will make an enormous difference to your financial stability and quality of life.
Mortgage Protection
Receive a regular payment to cover your mortgage in the event you’re unable to work.
In the event of your death, illness or accident, Mortgage Protection cover will ensure your mortgage repayments are met.
Your home is simply too valuable an asset to put at risk, so protect it.
Private Healthcare
Immediate access to the right healthcare services.
Through our public health system you are unlikely to receive urgent treatment when suffering from a non-emergency medical condition. If the condition is not life threatening, but still requires surgery, you are placed on a waiting list.
This is where Private Healthcare shows its value. You have immediate access to specialist healthcare and be certain of the timing of treatment and control over who provides that treatment.
There are definite advantages to taking out Private Health Care when you are younger or while still healthy – before “pre-existing conditions” are applicable.
No-one knows when a health problem may appear or how it will impact on your daily life. Private Health Care is there to provide with certainty and rapid treatment.
