LIFE & HEALTH INSURANCE
Protecting Your Life
Health, disability, and life insurance offer positive benefits, providing financial protection for individuals and businesses alike. These policies ensure a sense of security, shielding you and your loved ones from the impact of serious illnesses, disabilities, and unforeseen events. They also play a crucial role in preserving business continuity by addressing the loss of a key person. With these insurance options in place, you can confidently navigate life, knowing that you have a safety net for yourself, your family, and your business. Embracing these policies brings peace of mind, enabling you to focus on a fulfilling life and pursue your business goals with optimism.
Life and Health insurance
Make sure your health and the well-being of your family are everyone’s top priorities by investing in both private medical cover and Life Insurance.
With private medical cover, you have the flexibility to “go private” and receive the right treatment from your chosen medical provider as soon as you need it. Think of it as your golden ticket to bypass the public system, jump to the front of the queue, and get back to your life sooner.
Simultaneously, Life Insurance ensures that your family is financially secure in your absence or in the event of a terminal illness. The substantial payout serves a greater purpose than just clearing debts, covering funeral costs, and managing daily expenses. It empowers you to embrace life to the fullest, knowing that your loved ones will be taken care of no matter what.
By combining private medical cover and Life Insurance, you can prioritize both your health and your family’s well-being. Access prompt and personalized healthcare while securing financial stability for your loved ones. This comprehensive approach allows you to live life confidently, focusing on what matters most
Disability & Trauma Insurance
Developing a life-threatening illness or injury can take its toll on your physical and mental state. Modern advances in medical treatment mean the chances of surviving are much higher – however a diagnosis brings increased stress, lengthy treatment and time away from work commitments. Trauma and Disability cover will help you get through the tough times or in the worst case scenario like a total or permanent disability it will be there for you when it matters most.
Income & Mortgage Protection Insurance
Mortgage insurance is available so that you can insure your ongoing mortgage repayments. If you’re ill or injured and can’t work, your insurer will make regular claim payments to you. Mortgage repayment can be an extremely important kind of cover and means that your home remains yours even if poor health or an accident means that you’re not able to work. Income protection insurance provides regular monthly payments to cover your ongoing financial commitments like household bills and mortgage or rent payments.
Key Person Insurance
Provides a monthly benefit and/or lump sum to offset additional costs of losing a key person through serious illness, injury or death. It covers staff replacement costs, training costs, contract penalties and loss of profits and so on.
Share Purchase Insurance
Share Purchase Insurance provides a lump sum for remaining shareholders to purchase the shares of a shareholder who makes an unplanned exit from the business due to serious illness, injury or death. These funds provide the shareholder’s family or estate with capital and provide the remaining shareholders with control of the business and you won’t have the extra worry around self-funding and all the extra stress that comes with it.
Employee Benefits Insurance
Provides insurance cover at discounted group rates for staff (e.g. Life, Income Protection, Trauma or Medical). These types of life and healthcare benefits help increase staff loyalty and create longevity of employment.
FAQ's
Life insurance pays a lump sum to your family if you pass away or are diagnosed with a terminal illness. It can clear the mortgage, cover everyday costs and give your loved ones time to adjust without money worries. If anyone relies on your income, it’s worth a conversation.
Trauma cover pays a lump sum if you’re diagnosed with a serious illness or condition, like cancer, a heart attack or a stroke. Income protection pays a regular monthly amount if illness or injury stops you working. Many people have both, because they do different jobs.
ACC covers accidents, but not illness — and most time off work for health reasons is caused by illness. Income protection and trauma cover help fill that gap so your bills and mortgage are still taken care of.
Private medical cover lets you go private for surgery, specialist appointments and treatment, without waiting in the public system. It means you can get the care you need sooner and get back to your life. We’ll help you weigh up the level of cover against the cost.
It can. Insurers may exclude, limit or add a loading for conditions you already have. Be upfront when you apply — non-disclosure can put a future claim at risk. We’ll help you get it right and find the insurer most likely to give you fair terms.
It covers your mortgage repayments if you can’t work due to illness or injury. It means your home stays yours, even when life throws you a curveball.
Yes. Key person insurance helps your business cope with the cost of losing an important team member through serious illness, injury or death. Share purchase insurance gives remaining shareholders the funds to buy out a departing shareholder’s share. We can also set up group cover for your staff at discounted rates.
It depends on your debts, your family’s living costs, your savings and what you’d want to leave behind. There’s no one-size-fits-all answer, so we’ll work through the numbers with you and recommend a level that fits your budget.