Family Protection

Giving your family certainty when you’re not around to guide them will arguably be the most important thing you ever do. It is vital that you have the correct structures and products in place to achieve what is required for your family to succeed in life..

Debt Protection

Giving your family certainty when you’re not around to guide them will arguably be the most important thing you ever do. It is vital that you have the correct structures and products in place to achieve what is required for your family to succeed in life..

Health Insurance

With increasing demand on our public health system, resources are stretched, the benefits of having health insurance often include:

• Significantly reduce wait times for treatment
• Choice of specialist
• Access to Non Pharmac Drugs
• Overseas treatment
• Support person benefits
• Do you know the cost of treatment? Make the choice to cover yourself.

Income Protection

Many people consider their family home to be their biggest asset, but how long would your family home stay yours if you were unable to work? There are a variety of products available to protect your income, which could include benefits like:

• Lump sum payment for specified injuries
• Receiving some of your income along with ACC
• Retraining or Rehabilitation benefits
• Return to work incentives
• Help with extra childcare costs
• Continued KiwiSaver contributions whilst on claim
• Payment for Household expenses

Estate Management

Have you taken care of your affairs? We always advise on solidifying the protection process by ensuring all the t’s are crossed and the i’s dotted. Having a will, can help your family:

• Avoid long delays in distributing your assets
• Additional legal cost due to the court process
• Future custody uncertainty of young children

Debt Protection

Meeting your obligations when you might be incapacitated, will become a number one priority, therefore we need to ensure that there is an adequate strategy in place to come with any such events.

Income Protection

Many people consider their family home to be their biggest asset, but how long would your family home stay yours if you were unable to work. There are a variety of products available to protect your income, which could include benefits like:.

Shareholder Protection

• Often in businesses in New Zealand, we find ourselves in partnership with family or close friends. This often is due to a certain set of skills that our partner possesses which is vital to the operations of the business.
• We need to ensure that should your partner be unable to contribute these skills to the business, that you and your family are not impacted by any reduction in revenue.

Key Person Protection

• Protect the people in your business with specific skills
• Enable ongoing production
• Locum costs covered

ACC Offsets

• Ensure that ACC wont offset against your income protections plan
• Utilise a streamline approach
• Have certainty at claim time

Shareholder agreements

• Just having the correct insurance in place when you own a business is not always enough.
• In most businesses, shareholders do not have the correct buy/sell agreements in place to effectively utilise their insurance, this could lead to costly delays and potential tax liabilities.

Staff benefits & Protection

• We understand that great staff is the most important ingredient in any successful business
• Give your staff confidence and added security by offering them a group cover
• Specifically designed for your staff and their needs
• You do not always have to contribute as an employer, other options are available
• Boost staff moral by showing that you value your staff

Rural specific protection

With the unique daily challenges faced by farmers, not all solutions are customised to suit this ever changing environment. Therefore it is vital that the protection solutions implemented are fit for purpose. We achieve this by:

• Using policies with Rural specific wording
• Taking time to understand farm operations
• Eliminating some risks by implementing self-insuring structures
• Completing in-depth risk assessments, on and off farm

Debt Protection

Meeting your obligations when you might be incapacitated, will become a number one priority, therefore we need to ensure that there is an adequate strategy in place to come with any such events..

ACC reviews

• Establishing that you’re on the correct classification
• Assessing your structure
• Recommendations around levels of cover
• Recommendations regarding ACC products
• Premium Saving

Risk Assessment

In a lot of cases farms equals family and that’s why it is so important to complete and in-depth risk assessment

Industry related discounts

Talk to us about workplace Safety Discounts