Home | Who are we | Insurance | Investments | KiwiSaver | Get a quote | Articles | Testimonials | Links | Contact   Insurance Insurance is one of those things that you hope you never have to use but are grateful you have when the need arises. Having adequate insurance cover can provide peace of mind and financial security for you and your family during a time of uncertainty and stress. Protect Insurance Limited can help tailor an insurance package for you that ensures you have the protection in place that you need at an affordable cost. Talk to us today about how we can help. Life insurance If you have a family, other dependents or significant debt then you should consider getting some life insurance. One way to think about the need for life insurance is to ask yourself, if you were to die early what would be the financial impact on your loved ones? Life insurance provides you and your family with financial certainty and support in a time of need. Life insurance cover typically means you will receive a one-off payment on your death or if you are diagnosed as being terminally ill, which can help your family continue to live the life you've planned together. This can provide some peace of mind, knowing that: your dependents can focus on living life without worrying about finances. typically, your family can get quick access to immediate funds to cover funeral costs. they can stay in the family home - pay the mortgage or cover the rent. children are provided for and can make future education plans, such as going to university. the financial burden of on-going day-to-day living expenses is taken care of. Health Insurance Having health insurance cover can provide some peace of mind that you can get the medical treatment you need, when you need it. Health insurance, like most forms of insurance, is a service you pay for but hope you will never need. It's there for the unpredictable, unexpected and fundamentally uncontrollable problems that come up in peoples' lives. While New Zealand does have a good public health system, it is frequently subject to overloading, which can mean waiting lists and delays in getting important procedures done. Private health insurance can help if you need to see a specialist, require non-acute surgery or a diagnostic procedure (such as an MRI), where you might have to otherwise wait longer if relying on the public health system. One common decision, especially amongst young people, is to go without health insurance. When you are healthy and rarely see a doctor this may seem like a good idea. However, it is important to think about getting health insurance before you actually need it. It can often be impossible, or very costly, to get health insurance cover once you have been diagnosed with a serious illness. Unfortunately illness can strike at any time. Having adequate health cover in place can help you get medical attention when it's needed and will lessen the impact on your career and lifestyle. There are a range of affordable health insurance options available. Talk to us today about how we can help tailor a health insurance solution for you. Income Protection insurance Your ability to earn an income is your most important asset. The financial consequences of a disability or extended illness could be devastating for your lifestyle and those that depend on you. Recovering from an illness or accident is also difficult enough without the extra stress of financial worries. Income Protection insurance replaces your income if you can't work due to sickness or injury. It's important because your income is what allows you to live your life today - and make plans for tomorrow. Income Protection pays you a monthly benefit, just like your salary, and generally covers up to 75% of your pre-tax salary. Trauma insurance Trauma insurance pays you a one-off lump sum amount if you have a serious medical condition like cancer, heart attack or stroke. You could use the benefit to: pay for private medical costs. make lifestyle changes so you can focus on recovery. take some time off work or take a stress-free family holiday. The diagnosis of a trauma condition is devastating in any circumstances but the burden will be far greater if your financial security is also put at risk. Trauma insurance takes the pressure off, so you can spend your time focusing on recovering, not worrying about your finances. Total and Permanent Disability (TPD) insurance While for most people the early death of an income earner would cause serious financial strain for those left behind, the financial impact would be just as serious if that income-earner became totally and permanently disabled and unable to work for the rest of their life. Total and Permanent Disability (TPD) insurance provides a one-off payment that can help you modify your lifestyle and provide you with choices if you're left permanently without the ability to work. Funeral Fund insurance A Funeral Fund can provide you with peace of mind, knowing that cover is available for you and your family's funeral expenses in the event of your/their death. The cover provides an immediate lump-sum payment on the death of the person insured. This can go a long way to minimising the financial and emotional impact of an unexpected death as funeral expenses usually have to be paid well before estate settlement. Insurance for business Most businesses insure their assets against theft or damage, so why wouldn't you protect your most important asset, your people? Business insurance offers a range of benefits that will provide your business with a necessary cash injection to pay off debt, provide cash-flow or cover business expenses should a key person or shareholder pass away or suffer an illness or injury. If you would like to get some insurance advice simply contact Protect Insurance. With the help of your Protect Insurance Limited financial adviser you can decide what amount of cover is right for you.     Home | Who are we | Insurance | Investments | KiwiSaver | Get a quote | Articles | Testimonials | Links | Contact