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?*
 
Income protection insurance - why protecting your income is so important
 
Alison on coping with Cancer
 
Business Succession Planning
 
 
* terms and conditions will vary with the insurance policy and company chosen and any pre existing medical conditions that you may have.

Medical Insurance
Why you need Health Insurance

Medical Insurance
Private surgery costs can be crippling, yet often there is no option if you want to receive surgery when you need it rather than go onto a long hospital waiting list.

We believe today that private medical insurance is a necessity if you want to get non urgent treatment when it suits you and it can improve your standard of living.

It is important that you insure yourself for the things you cannot afford to have happen to you. You can probably afford to pay for the occasional doctor 's visit or chemist prescription but you can not afford to pay for a major hospital or surgical bill. Consequently, we believe that you should have hospital/surgical cover only.

Does your medical insurance cover you for non Pharmac (NZ Government subsidised) approved drugs?  For example Herceptin used in HER2 breast cancer treatment is not subsidised, a one year course of treatment is $120,000 NZD!!
Click here to request a quote.  Please complete the information requested. 

Business Owners:
If you have more than 10 employees who take up medical insurance then the premium is worked out on the average age of the group.  A great way for business owners to get medical cover.  The premiums are subject to FBT.

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Alison coping with Cancer