Helping you choose the right insurance options

Insurance Types

Insurance is complicated. Let us work to simplify your options.

We are not obligated to sell any particular insurance product or companies offering. This means you can trust us to give you the best advice every time. 25+ years and no claim denied is proof of this expertise.

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Life Insurance

Insuring your life is a fantastic long term investment. When you die your estate gets a payment to help your loved ones. There are two main types of life insurance. To know what one will suit you will depend on your stage of life, your circumstances, and your budget.

5 tips to get the best life insurance package

-Always talk to someone that has experience with a large range of providers

-Look to improve your lifestyle to help with your premiums – for example stop smoking

-Consider a mix of level and stepped premium’s depending on age and circumstances

-Over or under insuring are both bad news – get the right level of cover

-Start at a budget level that is sustainable – you want this set up long term

Health & Trauma Insurance

Your health is precious. If you fall sick and can’t work you will need money to pay the bills. Insurance can help you make ends meet if you are unable to earn your normal income. There are many types of health-related policies such as medical, trauma, disability, income, and mortgage protection. We will figure out the best combination of each to serve you best.

Why get health insurance?

1 person from a couple has a 27% chance of being temporarily disabled, and a 9% chance of permanent disablement.

Why use an experience broker?

There are 28,070 variations in policy wording across the insurance companies. Having someone that knows the in’s and out’s of the wording and it’s implications is vital to having the correct insurance setup and working for you.

Also, if you want to claim your broker goes into bat for you. Are you not on your own.

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Income Insurance

Disability Income insurance provides on-going cash-flow and/or income in the event that of a disability or illness preventing you from being able to work. It is a fact of life that we all get sick and sometimes seriously. The cost of recovery from an illness like cancer or a heart attack can have a huge impact on you. The cost of treatment for serious illness can put a severe strain on your finances and the finances of others that depend on you. Food for thought, 2 in 5 men and 1 in 4 women between the ages of 20 and 64 suffer a critical illness.

-Cover for the inability to work

-Create a back-stop to pay the mortgage

-Avoid having to rely on ACC – remembering they are only covering accident not illness

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Business insurance

Starting a new business is challenging enough without having to worry about how you will cope if you are unable to work due to sickness or injury. Running your own business may provide greater freedom and independence but you also have more responsibilities than you would have as an employee. Continuity, key person, locum cover, and business expenses insurance are common ways that you we can help you protect your investment of time and effort into your business. Get help now

Kerikeri insurance expert