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Personal insurance

Living costs have skyrocketed, which can leave you in a dire situation if you aren’t prepared. Personal insurance can be one of the most effective ways to secure your family. The benefits of having personal insurance certainly outweigh the cost of premiums. It is a smart investment to secure the life of your loved ones when the problem arises. However, it requires a bit of research and guidance to ensure the plan is the most appropriate choice for you, affordable, offers good coverage and provide a reasonable lump sum when you need it.

Life insurance

Life insurance is a risk management tool rather than an investment. It is an essential aspect of financial planning for someone who has dependents. No one wants to talk about their death or the after effects of this on their family or dependants. But not being proactive could put your loved ones at financial risk. That’s why it is essential to take out life insurance.

Health insurance

Being able to access medical care at a local medical centre or the nearest hospital when and where you need it without placed in a queue, knowing that their insurer will meet the cost is a source of financial assurance and peace of mind. Relying on the public system often requires long waiting for the diagnostic tests and thus delays the treatment. Having health insurance lets you avail appropriate medical services without worrying about the long waiting list.

Critical illness and Trauma insurance

Long term medicines and treatment for critical illness or major trauma can be massive. Life cover with critical illness and trauma insurance will give you financial stability by providing a cash lump sum – replacing your lost income and other expenses. If worst comes to worst, a funeral benefit option on your policy will safeguard your family; assisting your loved ones at a difficult time.

Income protection insurance

No one wants to think about a situation where you cannot work and get an income, and all your bills still need to be paid off. A bit of thoughtful planning prepares you to face the worst unexpected phase. Having an Income protection insurance in place will give an income to help replace a proportion of lost earnings due to your illness or injury.

Mortgage insurance

Taking the leap from renter to homeowner is an exciting moment. At the same time, it means taking up a new long-term financial commitment. So, it’s prudent to have a backup plan to pay your mortgage in the event of death or illness. Mortgage insurance protects you as a borrower.

Mortgage repayment insurance

Your mortgage is probably the most significant expenditure of your salary. Regardless of your financial situation, you must make your repayments regularly, or you must risk losing your home. So, it’s worth paying a small premium to protect your hard-earned home. Mortgage repayment insurance covers your payments when you struggle to keep up with your monthly payments should you get sick, injured or redundant.

Total and Permanent disability insurance

The death of the primary breadwinner is not the only circumstance that can shake the family financially. Being a victim of some accident or diagnosed with a serious health problem can be devastating. Total and permanent disability insurance offers an insurance pay-out while the insured is still alive to help to minimise the financial burden in such situations.

Business insurance

Regardless of size or type of business, the need for an insurance coverage remains the same. Having business insurance protects you and your business when/if things go out of your control.

Key person insurance

Most of us know how the life insurance policy gives you peace of mind in case of unexpected events. However, the role of a key person insurance in business is not that well known. Every business has a few precious employees whose contribution is invaluable to the company’s growth and reputation. Key person insurance is the Cover designed to protect or compensate a business in the event of the death or incapacity of a vital employee regarded as crucial to that organization. At the loos of a key person, the sum assured is paid to the company which can be used even to hire a new senior person to replace the key person.

Business continuation cover

Companies can be vulnerable to perils that are out of their control like a flood, fire or major theft. Besides the nasty physical damage and it might raise a threat to the existence and smooth running of the business. Business continuation insurance covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected event.

Employee group health insurance

Employees are the most essential part of any business organization and hence its crucial to protect their health as healthier employees drive healthier business. It makes them feel part of a company which in turn increases the productivity and thus the profitability of any business. Here is where Total assurance comes in. Having an employee group health insurance helps you to protect your employee’s health and to make them that feel they are valued.

Mortgage and Loan

Buying your first home can be a mixture of emotions like excitement, anxiety, and nervousness and it involves some of the most important financial decisions as well. Decision-making process can be tough in this situation. It's important to get the correct advice and be equipped with as much information as possible. However, the process doesn't have to be difficult. We make the process as simple as possible. We understand our clients, and we give appropriate guidance to choose the best lending decision.

First home loan

Once the decision is made to buy your own house, the next step is to find out the best financial support. Everything looks expensive when you think about buying your first home. At total assurance, we strive to help you get the best out of your home loan. We can help you better understand the loan process and your home loan options. We will help you to make your first home buying experience pleasant and relaxed.

Refinance

Most of the mortgages are the 25-30-year term. The banks are coming out with new offers and better interest rates. Your financial situation can be made significantly better if you know how to refinance your home. We can help you review your home loans and find better options to minimize the most significant drain in your budget.

Personal loans

Happiness and hardships are part of our lives. Sometimes you need a lam sum amount to plan a wedding, holiday trip, to buy a car or to deal with a financial crisis. Regardless of your situation money cannot be substituted by anything else. When we think about a personal loan what concerns us the most is the repayments and the interest rates. However, if you choose the right personal loan, it makes a difference to your repayments, and hence it’s not a substantial financial drain from your budget. This is where we can provide you with a financial advisor at free of cost.

KiwiSaver

Most of us know what kiwiSaver is and what the benefits are and most of us use KiwiSaver to pay the initial deposit for our first home. Did you know that a bit of thoughtful planning can make the amount better? Here comes the Total assurance with our free generic advice to help you get the best out of it