Life Insurance provides financial support to your family if you die, offering a lump sum or fixed monthly payment. This money can be utilised for various needs like vacations, education funds, or replacing lost income. For more information on life insurance, click here.  
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Many clients come to us to make sure their debts are cleared if they die – the mortgage on the family home, credit cards, personal loans, overdrafts and any other financial encumbrance. This is important because it means your family can maintain their lifestyle even if you aren't around

Future health is uncertain, and public healthcare may not cover all family needs, leading to out-of-pocket expenses and waiting lists. Health Insurance offers control over treatment providers, timing, and coverage of costs for specialists, surgeries, and procedures.

During your career, unforeseen events like accidents or illnesses may require time off work. While sick leave, ACC, and savings can help temporarily, prolonged absence without a financial safety net can strain families. Income Protection offers relief by providing regular payments (up to 75% of income) until recovery or the benefit period ends.

Whether facing life-threatening or non-life-threatening illnesses, short or long-term treatment can strain finances, affecting both you and your family. Immediate access to healthcare may be delayed, requiring time off work with existing financial commitments. Trauma Insurance and Income Protection offer relief in such situations, covering various needs during illness or recovery. They complement each other, ensuring financial stability and peace of mind.

Becoming disabled due to a serious illness or accident can abruptly halt your ability to earn income for life. While welfare benefits may cover basic expenses, the financial impact can be long-lasting. Total and Permanent Disablement Insurance offers a lump sum payout, providing flexibility to cover various needs like debt clearance, ongoing income, or lifestyle modifications.

Losing a key person unexpectedly can profoundly impact your business, extending beyond productivity loss. Mitigate these impacts with Key Person Insurance, providing regular benefits. Lump sum payouts from Total and Permanent Disablement and Life Insurance enable decisive actions. We can help you assess the true costs and implement protective measures for your business's continuity.

The scenario of ending up in business with your deceased partner's widow's second husband's lawyer underscores the importance of business succession planning. This planning ensures clarity and fairness regarding control and ownership of the business in the event of disability or death among partners or shareholders. Business succession planning can provide predictable outcomes for both situations. By providing the right amount of money to the right parties, it provides you, your estate and your business partners with choices. We are specially trained to advise on business succession planning.

When a business owner or director passes away or faces serious illness, productivity drops, leading to mounting bills and potential risks to personal and family assets. Safeguarding your business against such scenarios is crucial, regardless of its size. Creating a financial backstop through cash reserves, funding access, or insurance is essential. Life Insurance, Trauma Insurance, and Total Permanent Disablement Insurance offer lump sum payments to clear debts and secure the business's future. Our tailored advise ensures adequate coverage without overpayment, protecting both your business and personal assets effectively.