Life Insurance Adviser in the Waikato

Life insurance is a contract between you and an insurance provider. It provides financial protection for your loved ones in the event of your death. You pay regular premiums, and in exchange, the insurer pays a lump sum to your nominated beneficiaries if you pass away during the term of your policy.

This is quite specific to each client. The main two reasons are debt and dependents. It's a tool that ensures that your loved ones are financially protected if something happens to you. It's a lump sum you can use for whatever. The primary objectives are to cover living expenses, debt, mortgage payments, and even education costs for children. Life insurance is the cheapest and easiest way to make sure if the worst happens, your family aren't burdened financially.

This is subjective, and only you can decide this. Our job is to make you aware of the risk, and talk you through what you'd actually like to cover, and how much you'd like to spend. If we had our way, everyone would be covered for well in excess of $1,000,000  - as far as we're concerned still having a Mother or a Father is worth 10x that amount. But we'll empower you to choose the amount you actually want - at the end of the day it's your money to spend. 

• Life Insurance - Provides a lump sum payment to beneficiaries upon the insured person's death or terminal illness diagnosis. Helps cover funeral costs, outstanding debts, and financial security for loved ones.

• Survivors Income Insurance - Ensures a regular income for surviving family members after the insured person’s passing, helping maintain financial stability.

• Terminal Illness Cover - Offers an early payout of the life insurance benefit if the insured is diagnosed with a terminal illness, providing financial support for medical treatment and personal expenses.

• Trauma Insurance - Pays a lump sum upon diagnosis of a major illness or injury (e.g., cancer, heart attack, stroke). Helps with medical expenses, rehabilitation, and necessary lifestyle adjustments.

• Severe Trauma Insurance - An advanced form of trauma cover that provides higher benefit payments for the most critical medical conditions, such as late-stage cancer or severe neurological injuries.

• Mortgage Repayment Cover - Covers mortgage payments if the insured is unable to work due to injury or illness, preventing financial strain or potential loss of the home.

• Income Protection Insurance - Pays a monthly benefit if the insured is unable to work due to illness or injury, ensuring financial stability during recovery.

• Specific Injury Cover - Provides set lump sum payments for predefined injuries such as fractures, burns, or loss of limbs, regardless of whether the insured can still work.

• Total and Permanent Disability (TPD) Insurance - Provides a lump sum payout if the insured becomes permanently disabled and unable to work due to the disability.

• Health Insurance - Covers medical expenses, including hospitalization, surgeries, and specialist treatments. Some insurers offer cancer-specific coverage.

• Business & Key Person Insurance - Protects businesses financially if a key employee or owner becomes disabled, seriously ill, or passes away. Helps cover operational costs and business continuity.

• Redundancy Insurance - Provides financial support in the event of unexpected job loss, helping cover expenses while searching for new employment.

• Funeral Cover - A small lump sum benefit to assist with funeral costs, relieving financial stress for loved ones.

Yes, it’s possible to get life insurance with a pre-existing condition. We specialise in making sure it's the best possible outcome across all of our insurers. To counter your conditions, insurers will either exclude the condition, or cover your conditions but charge you a little more for the cover.

Spend 45 minutes with us, we're experts - You'll know what you want by the end of that meeting. 

Yes, you can make changes to your policy if your circumstances change. This may include increasing or decreasing coverage, adding or removing benefits, changing beneficiaries. You'll just need to tell us what's changed and we'll talk you through the rest. 

Premiums are either fixed in and don't increase, or they increase based on factors such as your age, health, lifestyle, occupation, and the level of coverage you choose. Younger and healthier individuals generally pay lower premiums. There are also options for cover that doesn't increase in price - to find out more just ask! 

• If it's a medical claim, we generally only need to know what's happening, a referral letter, date of your appointment and an estimate of the costs. Get those through and we'll get the process started. 

• If it's any other product - Please pick up the phone and call Zak right now - 02102478225. If we don't answer, were just in a meeting - leave a message or text. I will take claim calls after hours, just make sure you let me know it's urgent in the text. 

Yes, you can cancel your life insurance policy at any time. However, talk to us first. There may be things you haven't thought of like decreases and amendments. If it's the right call we'll get the paperwork together for you.