Protecting whats important to you
Insurance is one of those things that most of us need but no one likes to talk about. We take thehassle out of organising insurance, making the process as simple as possible.
Best Cover
We have access to multiple insurers, to ensure you have the right cover for your situation.
Expert Advice
Our advisers will guide you through the insurance process, from start to finish.
Ongoing Support
We arent just here to put cover in place, we offer ongoing support when you need it the most.
Protect what matters with Kiwi Insurance
Life Insurance
Life Insurance is important if you want to provide your family with a financial safety net in the eventof your death. There are a number of things you need to consider when deciding on a level of cover:
- Your total amount of debt, including home loans, credit cards, HPs and overdrafts
- Ongoing living costs for your family
- Funeral costs
We will help you work out exactly what cover you need.
Trauma Cover
Suffering a serious medical condition can leave you out of work for an extended period (maybe forgood), and getting back on your feet can be an expensive process involving rehabilitation andongoing medical costs. To make sure you and your family don’t suffer financially during this difficulttime Trauma Cover will pay a lump sum to reduce debt, cover living costs and ongoing medical costs.
Total Disability
If you are never able to work again the financial impact would be catastrophic. It is important tohave enough insurance cover to pay off all debts and cover living expenses for the rest of your life.TPD is relatively inexpensive compared to other insurances, so it is worth making sure you haveenough cover for all of your costs.
Income Protection
This is one of the most common insurances that are claimed on, as most people will have to stopwork for a period during their working life. Although ACC can cover your income if you are off workdue to injury, it is far more common to be off work for a long time due to illness, which is notcovered by ACC. If you are self-employed we can also help you adjust your ACC cover so that yourincome is fully protected, without breaking the bank.
Mortgage Protection
Mortgage repayment cover pays your regular mortgage payments if you're unable to work becauseof sickness or injury. There's an initial stand down period of at least 4 weeks, and the cost is usuallyslightly cheaper than income protection.
Health Insurance
This provides varying amounts of cover for less urgent medical issues and includes cover for day-to-day medical expenses, surgeries, specialist appointments, and hospitalisation. While the public health system is relatively good in New Zealand, private medical care allows you to have quicker treatment, appointments that don’t get bumped, and access to private facilities.
Our Process
– This is where we find out all about you, your goals and what is important toyou in life. This tells us what is valuable to you that you may want to protect.
We can now put together a full Statement of Advices including quotes andrecommendations. We will then present this to you help you to decide the best insurance plan foryou.
Once you have decided on the insurance you would like to take, we will runthrough a full application with you. This involves discussing your medical history and financialposition. We then present this to insurance companies who will assess your application and thenpresent you an offer of insurance.
Once you accept this offer of insurance, you are now covered. We will makesure everything is set up correctly so that this process runs smoothly.
We don’t disappear once the insurance is in place. We plan to be your InsuranceAdviser for life. We can help with claims or unexpected issues and we will regularly review yourcover to make sure it is still the right cover for you.