Provides financial security for your loved ones when you die. We work to ensure that your lifetime risks (around things like mortgage costs and/or having dependents) are covered. We do this by ascertaining immediate, intermediate and long term needs; and specialise in a personalised plan that may have some levelled and some stepped cover for your own unique situation. Many clients for example, set up a levelled amount solely as their ‘funeral fund’ that goes through to age 100.

Trauma cover helps financially in the event of a major illness or injury by reducing financial stress and letting focus on your recovery. More than 45 conditions are covered, where if diagnosed , you are paid out a lump sum. Mark himself had only had Trauma cover for 13 months when he had a heart event. The diagnosis was sent through and he received a payout almost immediately. We highly recommend this cover to all of our clients.

This cover gives you additional financial security by providing you with replacement monthly income if you become sick or if illness prevents you from working and earning an income. By knowing your mortgage and/or income is covered, again you can focus solely on your recovery. There is nothing like having this peace of mind, knowing your major bills are covered at what could be a very stressful time.

This type of insurance is set up to cover general insurance risk including Key Person, Director’s Life and Trauma cover. It is based on your very individualised and personal circumstances along with your own specific business requirements. As all businesses are different it is important to work through these individual requirements and possible scenarios carefully to ensure all is well set up to cover these possible scenarios.

Although most people believe that ACC will take care of them in the event of an accident, there are some factors that may mean you may not be as well covered as you think. We both understand and keep up with the ‘inside-outs’ of ACC Cover-Plus Extra for those who are self-employed. We can assess whether your premiums are currently working to give you all-round cover. Careful structure is very important once again, and this will vary for individuals and for business risk.

Medical Insurance gives you the security of knowing you have protection and options available should you experience health issues. This can be structured in a variety of flexible options. You can have a higher excess, have Specialist-Only cover, or have full cover which can include GP and specialist options. Medical Insurance is unable to be levelled and therefore will always go up in price as you age. This is something to be carefully considered.