The three major risks are premature death, inability to work because of a long-term accident or illness, and the need to find large amounts of cash to fund medical care.
 

                   Did You Know!

Five out of every ten males aged 25 years old are likely to become disabled due to an illness or accident before they turn 65 that will prevent them from working for at least a month

Seven out of every ten females are likely to become disabled due to an illness or accident before they turn 65 that will prevent them from working at least a month.

Of these, nearly a third will still be on claim 12 months later.
Source: Davies Financial & Actuarial Limited

 
Income Protection Insurance
If you are unable to work for 15 hours per week you could be paid 75% of your income*
 
Life Insurance
Provide for your family in the event of your death.
 
Medical Insurance
Does your health insurance cover the cost of non Pharmac approved drugs?*
 
Trauma/Living Insurance
Would you like a lump sum payout if you had a heart attack, cancer or stroke?*
 
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* terms and conditions will vary with the insurance policy and company chosen and any pre existing medical conditions that you may have.

Life Insurance
Caring for your family

Life Insurance
Life insurance is required for the following purposes:
        - To cover a debt such as a mortgage;
        - To provide for your dependents in the event of your death.

If the proceeds of a life insurance policy are paid into the deceased estate, they could become subject to death duties if they were reintroduced. To ensure that money is not paid to the deceased's estate it is often best for the policy to be owned by a spouse, or perhaps a family trust, if you have one.

Term Insurance:  Use this to cover life insurance needs when you may only need cover for a limited period such as the next 10 years while your children are young and dependent, or to cover debt such as a mortgage.

Whole of Life Insurance:  This is a combination of term insurance and investment.  Premiums do not increase with age unless the sum insured increases.  Premiums are higher than straight term insurance initially but over 10 years the total premiums paid is lower than holding term insurance.

Click here to calculate how much insurance you need 

Click here to request a quote.  Please complete the information requested. 

 

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