Our Products
Life Insurance
Life insurance is about love, pure and simple. It’s the reassurance that if the unthinkable happens, your whānau won’t be left picking up the financial pieces while they are grieving.
Practically, it provides a lump-sum payout if you pass away or are diagnosed with a terminal illness (with less than 12 months to live), helping your loved ones pay off the mortgage, cover living costs, or simply keep life steady while they adjust. It’s not about betting on bad things, it’s about leaving behind dignity, not debt and stress.
“If something happened to you tomorrow, would your family be financially okay?”
“How long would your partner or kids be able to cope without your income?”
“Would you want your family to stay in your home without financial pressure?”
Trauma Insurance
Trauma cover gives you breathing room when life blindsides you with a serious illness like cancer, heart attack, or stroke. It’s a one-off lump sum that helps you hit pause, take time off work, focus on healing, get private treatment, or just take the financial pressure off during an already overwhelming time. In a country where we pride ourselves on resilience, this is a safety net that lets you get back on your feet without draining savings or leaning on others.
“If you were diagnosed with cancer tomorrow, would you want the option to stop working right away?”
“Would you or your partner need to take time off to support each other?”
“How would you afford treatment or a recovery break without affecting your long-term plans?”
Total Permanent Disability Insurance
TPD cover is for the “what if I never bounce back” scenario. If you’re permanently unable to work again due to illness or injury, this policy provides a lump sum to help you adapt, whether that’s modifying your home, paying off debt, or securing long-term financial stability. It’s about protecting your future when work is no longer an option, and making sure you’re not just surviving, but living with dignity, even in the hardest of circumstances.
“If you couldn’t work again, how would you support yourself and your family long-term?”
“Would your current savings or KiwiSaver be enough to see you through to retirement?”
“Could your home or lifestyle be adapted to support a permanent disability?”
Income Protection
Your income is your biggest asset and income protection is your Plan B if that income stops due to illness or injury. It pays out a monthly amount to cover everyday costs like food, bills, rent or mortgage, so your life keeps ticking even when work doesn’t. Kiwis are known for being self-reliant, but no one gets ahead by falling behind. This is your financial backup plan when life puts work on hold.
“How long could you pay your bills if you were off work for 6–12 months?”
“Would ACC be enough to cover your full income?”
“What would change if you didn’t have money coming in next month?”
Mortgage and Rent Cover
Mortgage and Rent Cover is about keeping the roof over your head — literally. If illness or injury stops you from working, this cover helps ensure your rent or mortgage is paid on time, so you and your family don’t face the added stress of housing uncertainty. In a country where home is more than a house, it’s where our lives unfold, this cover helps protect what matters most.
“If your income stopped, how many months could you keep up with rent or mortgage payments?”
“Would you risk losing your home or needing to move if you couldn’t work?”
“How would you feel knowing your home costs were taken care of no matter what?”
Health Insurance
Health cover is about choice, speed, and peace of mind. It helps you avoid long public waitlists and access the treatment you need, when you need it, whether it’s surgery, specialist appointments, or new non-Pharmac medications. You’re not just paying for healthcare; you’re buying control, options, and the ability to put your wellbeing first when your health is on the line. For many Kiwis, it’s a proactive step to staying in charge of your health journey.
“Would you prefer to wait months in the public system or be seen within weeks privately?”
“If you needed surgery tomorrow, would you want the option to choose your surgeon or hospital?”
“How would you cover unexpected medical costs not funded by the government?”