Family Insurance

Life insurance

Life cover provides a lump sum payment in the event of death. This lump sum can help reduce debt, pay for final expenses, create an investment fund to generate ongoing income, enable business ownership to be restructured or provide an inheritance or donation, amongst other things. The purpose of the funds is entirely yours to decide.


Life income cover

This policy provides for a monthly sum to be paid to the beneficiary of a life insurance policy over a specified time frame rather than paid out in a lump sum.


Accidental death insurance

Rarely sold as one must die instantly for the policy to respond. It is far better for everyone to have full life insurance.  Meaning it does not matter how one dies the policy will respond even for suicide after the policy has been in place of 13 months.


Trauma insurance

Trauma cover provides a lump sum payment should you suffer one of the covered conditions.

Covered conditions are by nature serious and potentially life threatening and, as a result, can have a significant financial impact. Trauma cover is designed to help alleviate this financial impact. The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or enable business ownership to be restructured, amongst other things. The purpose of the funds is entirely yours to decide.


Medical insurance

Private medical cover provides the funding to enable you to have private hospital treatment whenever you require more immediate access or a broader range of treatment options than are available to you
through the public health system.

When a family’s world falls apart around them



Premium Cover (Waiver of Premium)

Premium cover provides a financial safety net should you suffer a total or partial disability lasting longer than the chosen waiting period. The monthly benefit is designed to relieve you of the financial responsibility of paying your policy premium during treatment and recovery until you are able to return to work full time. [Please note: Waiver of Premium cover is compulsory with income protection but can also be an add-on benefit with a medical insurance policy for  a small monthly fee.]


Mortgage protection insurance

Mortgage repayment cover provides a financial safety net should you suffer a total or partial disability which causes a reduction in your ability to meet your mortgage repayments. The monthly benefit is designed to cover mortgage repayments on your behalf during treatment and recovery.


Total and Permanent Disablement (TPD) insurance

TPD cover provides a lump sum payment should you completely lose your ability to ever work again (or carry on your normal tasks, if you are not employed), as a result of illness or injury.

TPD cover is designed to help alleviate the significant financial impact that losing an income forever would likely cause. The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or to enable business ownership to be restructured, amongst other things.

The purpose of the funds is entirely yours to decide.


What our clients say

  • ""I would like to take this opportunity to express my great thanks to Yvonne for her incredible patience and professionalism while assisting us with our insurance needs. She met with my husband and myself on several occasions and thoroughly explained all our options. Yvonne was very friendly and explained the policies in a manner that was simple to understand, omitting all the confusing jargon. She was extremely knowledgeable and took the time to truly understand our business and family needs, ensuring a solution that tailor-made for us! I highly recommend Yvonne to anyone in need of some guidance with their insurance needs. She’s truly the best! ""

    Angela Murray (Redspark Creative)

  • ""Further to a personal enquiry I would like to say that Yvonne has changed my general opinion of Insurance Brokers – with Yvonne it’s not all about sell, sell, sell, it’s about building a long standing relationship, she listens and then provides informative, sound and professional advice surrounding all aspects of your life and career. ""

    Tori Mortimer (ASSISTANT.CO.NZ)

  • ""I have had Yvonne to review my personal insurance and ACC commitments. I was highly impressed by Yvonne’s knowledge and commitment to her industry. Yvonne was able to point out areas that would not be covered by my current insurance policies and assisted in sound advice to save money for my family and business. I have no hesitation in recommending Yvonnes services to anyone. Phil Prior – 021 55 2345 Web Mentor Datum Connect""

    Phil Prior (Datum Connect)

  • ""Yvonne organized health insurance for me and got me an excellent deal! She also managed to reduce my A.C.C.bill. Great service! ""

    Bjorn Leigh (H4 BUILDERS LTD)

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