Servicing the needs of over 6000 customers since 1970

Our products and services

Life and Critical illness insurance:

If you are aged 16 - 55 and wish to get an online quote for Life or Critical Illness Insurance go to our associate site at

Funeral Insurance:

If you need a simple funeral plan, with a level premium and no health exams -

Medical Insurance:

Pay less for medical insurance.

100% cover up to $250,000 per annum - no limits.  If you want an instant Medical Insurance quote -

KiwiSaver and retirement planning:

If you need information about KiwiSaver, retirement planning, or budget changes.  Information is available for employers, employees and individuals.

For other advice:

For general advice about how we can help you with insurance , investment and mortgage products.  Then this site is right for you.

Total peranent disablement

Total Permanent Disablement Insurance or TPD provides a lump sum if one is totally and permanently disabled through injury or illness and is unable to work ones own or any occupation.

This Insurance can be purchased separately or it can be an advance on your Life Insurance. The latter option reduces the premium.

Permanent Disablement requires a medical proof and Total Disablement for a minimum of 6 months.

If you are aged 16-55 and would like more information and a quote - click for

Q  & A

If you have questions you would like answered email: us

George was 38 years old. He was a builder.

In 2002, he was involved in a motor vehicle accident, resulting in spinal injuries which paralysed him. He was treated in the spinal unit and received extensive rehabilitation. He is however now confined to a wheel chair.

After extensive medical treatment it was determined the condition was permanent and he would be unable to work again. Sovereign paid him $400,000. This was used to assist in the financing of a special vehicle and alterations to his home so that he could move around easily. The balance has been invested for retirement.

While he received ACC and now a disability benefit, his wife has had to return to work and he looks after the home and children.

Other clients we have assisted include:

Male, aged 57. Stroke. $55,000 used to clear debts. Only partial recovery and still unable to work.

Retail Shop Assistant.
Female, aged 50. Cancer. She was a smoker. $135,000 used to reduce debts.

Male, aged 32. Amputation. $148,000 used to clear debts and assist in purchasing special equipment.

Male aged 43. Motor Neurone Disease. $400,000 used to clear debt and invest for future.

If you have any questions regarding total permanent disablement, please email us.