Protection for a rainy day

Stumped at how you could meet your commitments if you hit one of life’s judder bars? Insurance protects you from unexpected life events whether its property damage, income loss, the death of a loved one or illness.

Why use an Insurance Adviser?

Having a dedicated adviser allows you to:

Easily discuss policy intricacies and make informed decisions.
Receive personalised assistance with policy changes and claims.
Benefit from expert guidance tailored to your specific needs.
Have an advocate supporting your needs

Recognised as a Top Advice Provider 2024 for our exceptional customer service and policy support to clients.

Our Insurance Advisers can help with a variety of different cover:

Life Insurance

Life insurance is designed to offer financial protection and peace of mind, helping loved ones cover expenses like funeral costs, debts, and living expenses if the worst was to happen to you.

Trauma Cover

Often provides a lump sum payment if you are diagnosed with a serious illness or medical condition, such as cancer, heart attack or stroke. This financial support can help cover medical expenses, living costs, or any other financial obligations during recovery. Unlike life insurance, trauma insurance pays out while the insured is still alive, offering a safety net during a challenging time.

Income Protection Insurance

Income protection insurance provides financial support to the insuredperson to cover essential living expensessuch as rent or mortgage, bills, and daily needs if they were unable to work due to illness or injury. This type of insurance ensures that individuals can maintain their standard of living while they recover and return to work.

Mortgage Cover Insurance

This policy is designed to help ensure that mortgage payments are made in the event of the borrower’s death, disability, or critical illness. It generally provides a lump sum payment to the lender or directly to the policyholder to cover outstanding mortgage debt helping homeowners and their families from losing their home due to financial difficulties caused by unforeseen circumstances.

Total and Permanent Disability Insurance

Disability insurance provides financial support to individuals who are unable to work due to a disabling injury or illness. It typically pays a portion of the insured’s income, helping to cover living expenses and maintain financial stability during the period of disability. There two types – short and long term insurance.

Health Insurance

Health insurance is a type of coverage that can pay for medical expenses, including doctor visits, hospital stays, surgeries, and preventive care depending on the policy type you have.

Medical Insurance

Health insurance is a type of coverage that can pay for medical expenses, including doctor visits, hospital stays, surgeries, and preventive care depending on the policy type you have.

House Car and Contents Insurance

This policy protects against losses related to property and vehicles:

House Insurance covers damage to the physical structure of a home due to events like fire, theft, or natural disasters.
Car Insurance protects against damages and liabilities related to vehicles, including accidents, theft, and bodily injury.
Contents Insurance covers personal belongings within the home, such as furniture and electronics, against risks like theft or damage.

Landlord Protection Insurance

Landlord protection insurance is a specialized insurance policy designed to protect property owners who rent out their properties. Learn why this is so important when investing in property below.

Business Insurance

Business insurance is a type of coverage that protects companies from various risks and financial losses such as General Liability, Property, Workers Compensation and claims against negligence or mistakes.

The stats might surprise you! Did you know, Trauma Cover isn't just for old people, and Income Protection means you can maintain the lifestyle you love.

*Data is based on Chubb Life claims paid in 2023. Source: Advice Channel insights

Get the right cover for your age and stage.

Do you own an Investment Property or are you currently in the market for one? It’s really important to get the right cover if you purchase an investment and become a landlord. Here are some of the reasons why:

Correct Sum Insured

Rebuilding Costs: Ensure you
have the correct sum insured by assessing the current cost to rebuild your property in the event of total loss. This includes fixtures and fittings.
Contents vs. Rebuild Costs: Remember, contents cover includes
items that can be removed, while
the sum insured should account for
everything that remains fixed.

Landlord Coverage

Landlord Cover: Beyond standard
home insurance, landlord cover
provides essential protections,
including:
- Eviction of tenants
- Absconding tenants
- Utility failures
- Malicious damage
- Liability cover
Loss of Rent: Different providers offer varying lengths of coverage for loss of rent, so it’s crucial to review policy wordings carefully.

Excess Levels

Impact on Premiums: Excess levels influence your premium costs. Be aware that additional excesses may apply to tenanted properties, and separate excesses can apply per event.

Natural Disasters

Cover Eligibility: Assess whether you can obtain insurance if the property is in a flood-prone area or has previously experienced natural disaster damage.

Properties Built
Pre-1945

Wiring and Coverage: Understand the
specific requirements for properties built before 1945, including the necessity of an electrical certificate for coverage.

We work with the following trusted NZ Insurance Providers to recommend and find the best cover to meet your financial and lifestyle requirements.

Experienced and award winning Insurance team

Lucy Woodruffe

Insurance Adviser

Lucy is an award winning and experienced Adviser who specialises in Insurance Cover for our clients. Lucy can help you any Insurance Cover recommendations, but the most common cover with our clients is Life Insurance, Health Insurance, and Fire and General.

Jocelyn Zhou

Adviser Associate

Jocelyn is a former Financial Adviser with experience working in Insurance and Mortgages, Private Wealth Manager and Personal Banking. She has a Bachelor of Management Majoring in Accounting, a Master’s Degree in Finance and L5 Certificate in Financial Services for Lending, Insurance and Investment. She supports Lucy with quotes, servicing and general updates.

Give us a call today
(09) 361 0050

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