Example Frame
  • COVER MULTIPLE EVENTS
    Multiple suppliers , multiple benefits covering multiple events. Full, Limited or Non-Advice models to match your need & budget. You have the choice to Choose!
    contact-us
  • IS YOUR FAMILY SAFE?
    Will they be financially independant, if you died prematurely? Would they loose their income stream? Would they be exposed to debt they can't service? Life cover will negate these issues!
    Life Cover
  • REDUCE FINANCIAL STRESS
    Life insurance will remove debt for your family if you died from cancer, do the same, if you survive! Cover up to forty-eight events! Trauma cover gives you the choice, to choose!
    Trauma Insurance
  • LIVING IS RISKY!
    Life can change in a Milli-second. Would your Family, your Future, your Retirement plans, your Dreams be at risk if you could never work again? Total and Permanent Disablement will cover this event!
    Total and Permanent Disability Cover
  • WHO PAYS YOU?
    Can you survive without your income? How would your Mortgage/rent be paid? Who will put food on your table? What is the longest holiday you can take before you need to get back to work? Insure the "front door" to your future, your Income!
    Income Protection
  • DO YOU HAVE A CHOICE?
    Can you jump the medical waiting list or will you wait until your condition gets worse, to get better?  Can you fund the newer non-subsidized designer drugs? With Private medical cover, you can choose to get better today!
    Medical Cover
  • PROTECT YOUR CASHFLOW
    "Cash is King" You insure your business plant, machinery and buildings, why not "YOUR KEYPEOPLE"? Revenue leads to profit. Would your profit be impacted if a Key Person died or was disabled? Use revenue contracts to provide cashflow!
     
    Revenue Cover
  • PROTECT YOUR EQUITY!
    Shareholder Equity is a valiuable asset. Protect it, using Shareholder's cover. Could your co-shareholders fund out the value of your equity to your estate, if you died or could never work again?
    Shareholder Cover
  • REWARD YOUR STAFF
    Want to have happy employees and protect your bottom line? For the cost of a cup of coffee a week, you can provide security for staff and protect profit! With Group Insurance, you may cover pre-existing health issues & get wholesale pricing.
    Employees benefits

Revenue Protection

Six Suppliers - Multiple Options

One of the major causes of failure of a business is CASHFLOW!

In most cases "CASH IS KING"

This is no truer than when a "Rainmaker" in your business is temporarily disabled.

Complimentary to Key Person lump sum covers, these contracts work to supply a monthly benefit for less drastic temporary events, after a wait period, but typically for a short benefit term (1 or 2 or some pay for 3 years).

Newer contracts are not income tested at application time or claim time and most of the newer contracts will not be offset, (reduced) by other benefits paid in respect of the same event (such as ACC).

These policies compliment the lump sum covers provided for under the Key Person benefits, and are designed to cover serious temporary events which can impact the cashflow of the business. Lump sum covers under the Key Person contracts may take some time to come through and will only cover major events which will knock a key person down for the long term or permanently.

These policies are normally set up to be owned, premiums paid by, and any benefit paid to the company. The premiums are normally tax deductible and the benefit tax assessible but we suggest you talk to your accountant regarding these issues.

Revenue contracts can be combined into a KEY PERSON Contract or treated seperately.