Personal Insurance
Personal Insurance
You will probably need insurance at some stage in your life. In fact, you probably need multiple insurance products at the same time, and most of us have a continuous need for some type of personal insurance. The important thing is to make sure you get the right insurance product for your needs to protect your family, while at the same time keeping your premiums as low as possible.
This is where we can help at INNOVEST. We are expert personal insurance advisors, so we can provide information and guidance on a full range of personal insurance products.
Plus, as trusted insurance brokers in Auckland, Wellington, and Christchurch, we’ll search a wide range of insurance providers to get the best deal for your requirements.
Get in touch today to speak to one of our insurance advisors.
Life Insurance
Nobody likes thinking about what your family would do if they didn’t have your income to rely on. It is a crucially important factor to consider, though, as the unexpected can happen. Life insurance will provide your family with the protection and support they need if these situations occur.
The problem is there is a wide range of life insurance products, lots of jargon, and various options and terms. Cutting through this to find the right product for your requirements is challenging and time-consuming.
Our life insurance advisors are the solution. We’ll give you information on the types of life insurance products that are out there, advice on the best option for your needs, and practical help to put the insurance cover in place. Get in touch today to arrange a conversation.
Trauma Cover
Suffering serious illness or injury could significantly impact your ability to earn. You will still have the same or very similar bills to pay, however, particularly if you want to maintain a similar lifestyle for your family that they currently enjoy. Trauma insurance helps to mitigate the financial risk of serious illness or injury by providing you and your family with the financial support they need.
With the wide range of trauma insurance products that are available, it is important to get the best advice. Contact us today to book a consultation.
Total Permanent Disablement Cover
We all know that nothing in life is certain. It is also a fact that when sudden disability occurs, the ability to earn an income can be considerably reduced. Total permanent disablement cover aims to minimise the financial impact of this risk. If you are unable to work because of an accident or illness, you will receive a cash pay out to spend as you need to.
To find out more and to discuss the products that best suit your requirements, please get in touch.
Mortgage Protection Insurance
Your monthly mortgage must still be paid even if you cannot work because of illness or injury. Without the income from work, however, meeting these payments can be challenging, putting your home and the financial security of your family at risk. Mortgage protection insurance reduces this risk by paying your monthly mortgage payments if you can’t work because of illness or injury.
Our insurance advisors will provide you with more information, including the right type of mortgage protection insurance that will meet your needs. You might also benefit from having both income and mortgage protection cover. Get in touch today to find out more.
Health Insurance
New Zealand has a good public health system, but there are also long waiting lists for many treatments and surgeries. If you or a member of your family need one of these treatments or surgeries, you have limited options available. You can wait, or you can get treatment at a private hospital. The latter will get you treatment considerably quicker, but it comes with a cost. Often, those costs are quite large.
These are the situations where health insurance becomes invaluable. With the right health cover in place, you will have minimal if any expenses to pay if you need private healthcare. Get in touch with us today to discuss the best health insurance cover for your family.
Home Insurance
If you are buying your first home and you are getting a mortgage, you will need home insurance. Our insurance advisors will ensure you get the best deal for your requirements.
We can also help in all other situations with home insurance advice and support. Maybe your cover is up for renewal, and you want to make sure you are getting the best deal. Maybe you have done renovation work in your home and need to check if you need to make adjustments to your policy – or move it to another provider. Whatever your circumstances, contact us to discuss your home insurance needs.
Contents Insurance
Having home insurance covers your house, but it doesn’t cover your possessions. To protect your possessions in the case of fire, earthquake, flood, or a range of other unforeseen situations, you need contents insurance. With contents insurance, your possessions will be repaired or replaced if they are damaged or lost.
We’ll help you cut through the jargon that often comes with buying contents insurance, as well as ensuring you have sufficient cover in place. Complete our contact form and a member of our team will get back to you.
Income Protection Cover
What would happen if you couldn’t work because of sickness or injury? Could you pay your regular expenses or bills? The same applies if you are made redundant – would you be able to meet your monthly financial commitments?
Income protection insurance provides you with the cover and financial support you need when you can’t earn your regular income. Our insurance advisors can help you find the best cover, while providing you with expert advice. Book a consultation today.
