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Business insurance

Business Insurance is the insuring the human life values of business owners and employees in order to develop a sound business, to preserve the value of the interest, and to facilitate transfer of control according to the wishes of the owner(s).

Business Insurance provides cash for defined risks in a business. These can range from covering the lives or disability of principals and key persons, ensuring cash for estates/families and financing the cost of replacements/locums, and continuity of the business through providing the cash to finance buy/sell agreements or final retirement plans. It may also be extended to cover professional indemnity, contractual risks and company physical assets, (F & G).

The major risks for the principle parties, (partners, shareholders, key persons and staff), are:

  • Death or Total Permanent Disability of shareholder/s. Decisions need to be made on who takes over the business, how this is to be done, and how it is to be funded. As the principle shareholder your family should expect to benefit from the results of your efforts over an extended period, and not have to rely on the result of a forced sale. Any company restructuring will also incur costs. The necessary funds to cover this can be provided by term insurance designed pay the estate a sum which reflects the interest, which can be calculated and reviewed frequently as the business grows. (Suggest annually based on Annual Results).
  • Death or Disability of a key person. This causes a disruption in business, loss of contracts, and interruption to cashflow while a temporary and permanent replacement is found. This can be covered by Term and Disability Insurance with the benefactor being the company. Some companies also provide for a sum to be paid to the affected family.
  • Income Protection/ Disability Income or Trauma Insurance : This provides for a guaranteed continuation of an agreed income or the payment of a lump sum, reducing the obligation on the company during an extended period. Most companies only cover key staff. These policies are tax deductable.
  • Health Insurance: The limitations of the public health sector have been well publicised. Our policy pays 100% of all Hospital and Related Expenses and can be provided at a discount (10%), as a group scheme for staff (need over 10), or individually. Many companies include this as a part of a Salary or Wage package and fund it. It ensures staff never need to be concerned about personal health matters, and problems are resolved quickly.

Q & A

If you have questions you would like answered email us - here.

Q.We have a Limited company, so why do we need business insurance?

A.While an incorporated private company may appear to provide limited personal liability and legal continuity, the reality for small business is different from large companies.

Small businesses, by their nature are considered to be riskier and only have a small number of shareholders and lending institutions and suppliers require personal guarantees to cover loans or credit.

While limited liability may protect individuals against lawsuits, the cost to a small business to defend a lawsuit may lead to insolvency, and personal guarantees may have to be met.

While the company structure is a separate legal entity, and legal continuity is provided, in reality the death or disability of a major shareholder can threaten the continuation of the business. Control of the company can be left with heirs, and the family may also need to settle outstanding tax liabilities. They may need to sell shares or the business to settle.

What would be the impact of these actions. Fortunately insurance can provide the cash to resolve these difficulties at low cost.

Q.What are the differences in financing for a private and public company.

A.Three differences between long term financing for a private company and a public company are:

  • The amount of money raised.
  • The public company deals through intermediaries such as sharebroker
  • Distribution of public company debentures is spread over hundreds who all become creditors.

A private company usually needs to seek finance from a lending institution which will require security, and this normally requires the attachment of personal assets. Public companies can raise long term debt by issuing new equity. This requires no personal obligations on shareholders.

As the owner of a private company, you will need insurance to cover that large bank loan because:

  • Only insurance can provide the cash to repay the loan on death or permanent disability.
  • It is low cost yet provides full cover from the start
  • It can protect the business, employees, other shareholders and your families' interests.
  • A sinking fund may also assist in repaying the loan earlier.

Q.I can get a better return using the cash required for insurance in my business!

A. The cost of insurance is small compared with the potential costs.

Compare the cost of self funding with some of the advantages of insurance funding:

  • Only insurance can guarantee the funds required exactly when needed.
  • Insurance guarantees future values today
  • Funds are secure from loss, involve no management and reinvestment worries
  • Increases in cash value are not subject to individual or company tax
  • It can provide tax paid cash to liquidate outstanding notes, bonds, bank loans, mortgages, or others liabilities

In summary, insurance will indemnify the business at once for the loss of profit-producing ability.