PERSONAL INSURANCE
Protection built around your life.
Personal insurance that works together
Your health, income, home and family aren't separate parts of your financial life — and your insurance shouldn't be considered in isolation either.
We look at the bigger picture to help identify where financial risk exists, what protection you already have and where additional cover may be appropriate. From there, we can recommend a combination of solutions aligned with your needs, priorities and budget.
Life Insurance
Financial protection for the people who depend on you.
Life insurance provides a lump-sum payment if you die or, depending on the policy, are diagnosed as terminally ill. It can provide important financial security for the people you leave behind.
The right level of cover will depend on your individual circumstances. We consider factors such as your mortgage and other debt, household income, dependants and longer-term financial commitments to help determine an appropriate level of protection.
Life insurance can help provide for:
- Mortgage and debt repayment
- Ongoing household expenses
- Financial support for your family
- Children's education and future needs
- Funeral and immediate expenses
Medical / Health Insurance
More choice and greater certainty when it comes to your health.
Health insurance can provide access to eligible private medical treatment, specialist consultations, diagnostic procedures and surgery, depending on the cover selected.
We help you understand the options available and consider the level of cover that makes sense for your circumstances, so you can make an informed decision about protecting your health without paying for benefits that don't suit your needs.
Health insurance may provide access to:
- Private hospital treatment
- Specialist consultations
- Diagnostic testing and imaging
- Eligible surgical procedures
- Cancer treatment and other specialist care, depending on the policy
Income Protection
Protect the income your lifestyle depends on.
For most households, income is one of their biggest financial assets. Income protection insurance can provide a regular payment if illness or injury prevents you from working, helping you continue meeting everyday financial commitments while you focus on recovery.
We'll help you consider the appropriate benefit amount, waiting period and benefit period alongside other sources of financial support you may have.
Income protection can help with:
- Mortgage or rent payments
- Household expenses
- Utilities and regular bills
- Family financial commitments
- Maintaining financial stability during recovery
Mortgage Protection
Help keep your home protected when your ability to earn is affected.
Your mortgage is likely to be one of your largest ongoing financial commitments.
Mortgage protection can provide a regular benefit to help meet eligible mortgage repayments if illness or injury leaves you unable to work, depending on the policy selected.
We can help you assess how mortgage protection fits alongside income protection, ACC entitlements, savings and other insurance so you're not looking at one financial risk in isolation.
Mortgage protection can help provide:
- Support towards eligible mortgage repayments
- Greater financial certainty during illness or injury
- Protection for one of your largest household commitments
- Cover structured alongside your wider personal insurance plan
Trauma Cover
Financial breathing room when serious illness changes everything.
A serious illness can affect far more than your health. It can change your ability to work, increase household costs and place unexpected pressure on your family's finances.
Trauma insurance can provide a lump-sum payment if you experience one of the serious medical conditions covered by your policy.
Because the benefit is generally paid as a lump sum, it can give you flexibility to decide where the money is needed most.
It could help you:
- Reduce or repay debt
- Take time away from work
- Cover additional household costs
- Access treatment or support
- Give your family greater financial flexibility while you recover
Redudancy Cover
Additional financial protection if your employment unexpectedly ends.
Unexpected redundancy can put immediate pressure on household finances, particularly when regular commitments such as mortgages, rent and everyday living expenses continue.
Where an appropriate redundancy benefit is available, it may provide temporary financial support following eligible involuntary redundancy, subject to the terms, eligibility criteria, waiting periods and exclusions of the policy.
We'll help you understand what protection may be available and how it fits alongside your broader financial protection strategy.
Advice that starts with understanding you
Insurance shouldn't begin with a product. It should begin with understanding the person, family and financial circumstances the protection is intended to support.
Understand
We take the time to understand your circumstances, financial commitments, priorities and existing protection.
Assess
We identify potential protection gaps and consider the types and levels of cover that may be appropriate.
Recommend
We explain our recommendations clearly, including the scope of our advice, so you can make an informed decision.
Implement
Once you're comfortable proceeding, we support you through the application and underwriting process.
Support
Our relationship doesn't end when your policy starts. We're here to assist with reviews, changes and claims throughout the life of your cover.
Why I'n'I Advise
Advice for today. Support for what comes next.
Personalised advice
We take the time to understand your circumstances before recommending solutions aligned with your needs and priorities.
Clear recommendations
Insurance can be complicated. We explain your options clearly so you understand the cover you're considering and why it may be appropriate.
Qualified financial advisers
Our advisers operate within New Zealand's regulated financial advice framework and are committed to professional standards of advice and client care.
Support at claim time
When you need to use your insurance, you shouldn't have to navigate the process alone. We support our clients through the claims process and work alongside insurers to help make the experience as straightforward as possible.
Ongoing relationships
Life changes — and your insurance needs can change with it. We encourage regular reviews to help keep your protection aligned with your circumstances.