Life Cover – why do you need it?
Life insurance pays a lump sum on your death protecting those people who depend on you. It can be used to pay off your mortgage, pay funeral expenses and also leave an income for those left behind. The correct life cover incorporates a terminal illness benefit, which means the insurance can be paid out early if you are diagnosed with a terminal illness and given less than 12 months to live…read more.
Health Cover – why do you need it?
With health insurance you can access treatment in a private hospital, and your insurer will pay (they can either reimburse you or pay the health provider directly). This means that you won′t need to join a public hospital waiting list, and it also usually means that you have a wider range of treatment options, hospitals, and medical specialists available to you…read more.
Income and Mortgage Protection – why do you need it?
An accident, illness or temporary disability at some time during your working life is a very real possibility. Can you think of someone who has been off due to recovery from a car crash; a sporting injury; a temporary but serious illness; a mental health problem; occupational overuse syndrome – any of these issues could require months off work…read more.
Trauma Recovery – why do you need it?
We all like to think we are bullet proof, but the truth is we do all get sick, have accidents and get older. Many New Zealanders are disabled by the same medical condition – heart attacks, strokes and cancer kill nearly two-thirds of all New Zealanders. Trauma cover pays a lump sum benefit if you are diagnosed with a critical illness or major trauma. With this benefit you could reduce or eliminate your debt, offset any losses in your future income, or create a cash reserve, or enjoy a holiday to help you recovery fully before rushing back into life…read more.
Total and Permanent Disability – why do you need it?
What would happen if you were told you were not able to work in your own occupation again?
You could reach this point in our life quickly or slowly. Illness can gradually erode your health until you’re unable to work every again; a serious accident could leave you totally and permanently disabled…read more.
How I can tailor a Personal Protection Plan for You
We all like to think that it “will never happen to me”, but unfortunately a serious trauma or illness can happen to any of us. That’s why it is important to take steps to protect ourselves and our loved ones with personal insurances.
To put a personal protection plan in place for you I will meet with you in the comfort of your home, or a local venue where we can find out about you and your needs. With this information I can then analyse your current situation and identify any key areas or issues facing you. I have many solution providers to work with and we will then compare the companies and their products and make recommendations to suit your individual needs.
Once recommendations are completed I will present to you a written statement of advice for your consideration. If you wish to proceed with these recommendations, or part of these recommendations, I will then implement these for you.
Then once your plan is in place I will regularly review this to make sure it still suits your ever changing needs.
Remember your plan will offer you the peace of mind of knowing that if an expected event did occur around an illness or injury, that this will give you the financial security and allow you to concentrate on what important, you and those you care about.
Then should you ever need to claim, then I’ll manage that process for you. Claim time can often be a very worrying and stressful time as something in your world has gone terribly wrong. Just let me know of your need to claim and I will facilitate that for you. My relationship with the claims teams at the various companies allows me to make the process as quick and as seamless as possible in achieving the desired outcome for you.
So all I need is some time to sit down together and find out about you. Because I am paid by the insurance companies, there are no fees for my services so why not contact me today and we can arrange a time to get together, giving you the peace of mind and financial security going forward.
Because it’s about protecting what’s important to you, no matter what kind of lifestyle you enjoy and if an injury, sickness or death does occur, it’s knowing that you and/or your family are financially secure enough to cope.