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Life Insurance

Protect your loved ones with the right life insurance plan. Secure your family’s future and enjoy peace of mind today!

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Life Insurance

Protect the People You Love Most

If something happened to you, could your family stay in the home? Pay the bills? Continue their lifestyle?

Life insurance provides a financial safety net – so your loved ones are looked after, even if you’re no longer there to do it yourself.

Here’s how we help:

  • Compare top-rated NZ insurers to get you the best value
  • Recommend the right type and amount of cover for your needs
  • Explain the differences between term life, mortgage cover, and funeral benefits
  • Set up ownership and beneficiaries correctly from the start
  • Review your policy over time to keep it relevant

 

You’ll get tailored advice, not a one-size-fits-all plan – and the peace of mind that your family’s future is protected.

Trauma Cover

Serious Illness Can Change Everything. Trauma Cover Helps You Recover – Financially.

A cancer diagnosis. A stroke. A heart attack. These events shake your life – and your finances. Trauma insurance pays out a lump sum if you’re diagnosed with a serious medical condition, so you can focus on recovery, not bills.

Here’s how we help:

  • Explain exactly what’s covered and how each provider defines it
  • Recommend a policy that suits your age, health, and life stage
  • Help you decide how much cover is enough (and what’s too much)
  • Set up your policy with the right ownership and structure
  • Review it over time as your needs change

 

You can use your trauma payout for anything – medical costs, lost income, mortgage repayments, or just time to rest. It’s about giving you breathing space when you need it most.

Total & Permanent Disability (TPD) Cover

If You Can’t Work Again, TPD Cover Helps Life Go On

An accident or illness that leaves you permanently unable to work can have a huge financial impact – on you and your family. TPD insurance pays out a lump sum so you can adapt, recover, and maintain your lifestyle.

Here’s what we help with:

  • Choosing between “own occupation” and “any occupation” definitions
  • Setting the right cover amount for your financial goals
  • Understanding how TPD works alongside life, trauma, and income protection
  • Structuring your policy with the right ownership and beneficiaries
  • Navigating complex wording – we’ll explain it in plain English

 

You can use the payout to cover living costs, medical expenses, repay debts, or make lifestyle adjustments. It’s your safety net when life takes an unexpected turn.

Mortgage Protection Cover

Protect Your Home – Even If Your Income Stops

Your mortgage is probably your biggest monthly expense. If illness, injury, or redundancy leaves you unable to work, mortgage protection ensures your repayments are covered – so you can stay in your home and focus on recovery.

Here’s how we help:

  • Comparemortgage protection vs. income protection options
  • Find cover that suits your repayment size, income, and work type
  • Explain waiting periods, benefit durations, and exclusions
  • Work with lenders to ensure your protection meets mortgage requirements
  • Structure policies to align with your broader financial plan

 

We’ll help you set up smart, affordable cover that protects the roof over your head – even when life doesn’t go to plan.

Income Protection Cover

If You Can’t Work, Your Income Doesn’t Have to Stop

Your ability to earn is your most important asset. Income protection pays you a monthly benefit if illness or injury stops you from working – helping you stay on top of your bills, your mortgage, and your lifestyle.

Here’s how we help:

  • Tailor the benefit amount, waiting period, and payment term to fit your needs
  • Compare providers for price, definitions, and reliability
  • Help self-employed, contractors, and business owners structure policies properly
  • Explain the difference between agreed value and indemnity cover
  • Review your cover over time as your career and income evolve

 

We make sure your policy reflects your real risk – without overpaying or being underinsured.

Let us get the best Life Insurance deal for you

Book a chat with our mortgage experts

We’re here to support you at every step of your financial journey. We strive to respond to your inquiries within one business day, during our office hours of 10:00 AM to 6:00 PM.

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