Insurance Philosophy

Our approach to insurance is simple and practical which makes it easy to understand. We aim to minimise your premiums but also arrange sufficient cover to do the job properly. Not too much, not too little.

Your insurance package should aim to do three things

Replace Income

Because the bills don’t stop just because you aren’t at work. And if they’re unpaid for long enough things start to get turned off. So for most households less income would be a major problem after a while. That’s why income insurance is a must have.

Clear Debt

If the worst occurs then the last thing you should be worrying about is the mortgage and other debts. That’s why lump sum insurances like Life Cover, Trauma Cover and Permanent Disability Cover are useful. They can be used to clear the financial slate so your family can get on with living.

Provide Medical Treatment – on demand

Healthcare in NZ is pretty good in emergencies. But it’s verrry slooow for everything else. If you need treatment we know you wouldn’t want to wait weeks or months to get it. You’d want it now. That’s what health insurance is for.