Insurances
Income and Mortgage Protection Insurance
Income and Mortgage Protection Insurance
Income and Mortgage Protection Insurance
If you’re unable to work due to illness or injury, Income & Mortgage Cover gives you access to ongoing income.
ACC doesn’t cover illness, so you aren’t able to receive ACC payments if you become unwell. Even if you were off work due to an accident, this insurance helps replace a portion of your income which lessens the financial burden of your essential expenses. This allows you to instead focus on your recovery.
We can also insure up to 115% of your monthly mortgage repayment, ensuring your mortgage obligations are still able to be met despite being off work.
Health Insurance
Income and Mortgage Protection Insurance
Income and Mortgage Protection Insurance
Also known as Private Medical Insurance,
Health insurance allows you to 'skip the queue' of the public health system, so if you’re injured or unwell, you wont face the lengthy waitlists for treatment. Getting treatment when you need it can speed up your overall recovery and prevent you from being on a waiting list while your condition gets worse - giving you the best possible chance of recovery and back to work sooner so you can limit the financial losses of sickness.
Medical insurance can also go towards the cost of any specialists you need to see and gives you more choice than you would have in the public system.
Critical Illness Insurance
Critical Illness Insurance
Critical Illness Insurance
Critical Illness, or Trauma Insurance, provides a lump sum payment in the event you suffer from a serious illness - things like cancer, heart attack, stroke, kidney failure, major head trauma, major surgery, multiple sclerosis, severe diabetes and so-on.
It means you won’t have to rush your return to work, sell your home and other valuable assets or worry about money whilst you’re receiving treatment and getting back to full health.
This can work in partnership with your income/mortgage cover should this illness take you out of work for an extended period of time. It also works well with health insurance which pays for your treatment, while this critical illness cover gives you the lump sum funds you may need.
Life Insurance
Critical Illness Insurance
Critical Illness Insurance
Life insurance takes care of your surviving family by reducing the financial burden of your death or terminal illness.
It’s something you put in place to make sure your loved ones will be looked after financially if you pass away.
Life insurance can help your family maintain their lifestyle without your income (for example, covering children's education or clearing the mortgage or other major expenses). It can also be used to take care of any debt or cover your funeral costs. Certain life insurance policies may provide early access to funds if you are diagnosed with a terminal illness. These funds could be used to help manage expenses or improve your quality of life.
Disclaimer: The information on this website is intended to provide a brief overview of the services we provide. Everyone’s situation is different, and your insurance needs will vary depending on your individual circumstances. Always seek financial advice based on your personal situation.
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