Insurance provides protection against a possible loss.

Whether it is for investment purposes or your principal place of residence, insurance is an important component to any discussions around financial goals and objectives and as such we strongly encourage this aspect be reviewed alongside our advice.

As part of our process we may refer you to a trusted and qualified specialist.

Inappropriate Cover

In numerous cases, we have seen clients with inappropriate cover, or who are paying far too much for the level of cover they have, and in most cases this is due to not having a review often enough.

For the most part, studies have shown that New Zealander’s are underinsured. Smart investors take calculated risks, insuring against these risks will allow you to be certain that you will get the best of both worlds, along with also the peace of mind that you have all of your bases covered.

Typically, Statistically, these are some of the scary facts:

Our affiliate insurance team can assist in assessing your current insurances, to ensure you and your family are adequately protected so you can protect your lifestyle and loved ones.

Mr. and Mrs. Smith are a typical New Zealand couple, they are a young couple, both in their 30’s, and have two dependent children.

What could happen to this family?

There is a 17% chance either will die prior to age 65

9% chance of becoming Totally & Permanently disabled

25% chance of suffering a critical illness

27% chance of becoming temporarily disabled.

 

These facts are significant when the following is taken into account; in your day-to-day life, your current position is taken for granted. Mr. & Mrs. Smith currently have commitments for their incomes. Being a typical couple with children in their 30’s, there isn’t a significant amount of surplus cash-flow, if one income were to be lost due to one of the above causes.