Life Insurance

Providing your family with a lump sum of money in the unfortunate case of your death or terminal illness in order to protect them against the financial burdens and hardship that might otherwise follow.

    Trauma/Critical Illness Cover

    Provides a lump sum payment should you suffer one of the Covered Conditions listed by your provider. These could range from Cancer, Strokes, Heart Attacks, through to Dementia (ask your adviser for a full list). The Covered Conditions are by nature serious and potentially life threatening and, as a result, can have a significant financial impact. Trauma Cover is designed to help alleviate this financial impact.

      Total and Permanent Disablement (TPD) Cover

      Provides a lump sum payment should you completely lose your ability to ever work again (or carry on your normal tasks, if you are not employed), as a result of illness or injury. TPD Cover is designed to help alleviate the significant financial impact that losing an income forever would likely cause.

        Income Protection Cover

        Provides a financial safety net should you be disabled as a result of sickness or injury, and unable to earn your regular income. The monthly benefit is designed to replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery. There are many different types of Income Protection Cover including Mortgage Repayment Cover, Household Expense Cover, Loss of Earnings Cover, and others.

          Private Medical/Health Cover

          Provides the funding to enable you to have private medical treatment whenever you require more immediate access or a broader range of treatment options than are available to you through the public health system.


            KiwiSaver is a voluntary savings scheme set up by the government to help New Zealanders save for their retirement. Rather than being a simple savings account, your KiwiSaver savings are invested on your behalf to earn more money over time.

            It’s important to make sure you are getting the most out of your KiwiSaver provider and scheme, which means choosing the right fund for your personal situation and goals. KiwiSaver is not a one-size-fits-all approach, and even throughout your lifetime it is likely that you will swap between different funds and providers as your needs change.