Personal Insurance

Personal insurance covers a range of insurance products that protects the financial stability of you and those closest to you.

Whether it’s loss of life, terminal illness, serious illness, permanent or temporary disability, there is a solution for you to provide financial security when it’s needed most.

For personalised advice on selecting the right balance of covers to protect you and your family, contact your current Adviser here or email us at life@certusnz.co.nz.

LIFE

Life cover provides a tax paid lump sum upon death or diagnosis of a terminal illness when you have less than 12 months to live. There are a number of options available where a balance of stepped and level premiums will provide the best solution to protect those left behind.

For personalised advice on a suitable blend of covers to best suit your requirements and future budgets, contact your current Adviser here or email us at life@certusnz.co.nz


DISABLEMENT

Total and permanent disability can be almost as devastating as loss of life or terminal illness. Not only have you lost a valuable income producer for the household, but you will now have to support a totally disabled person for the rest of their working life.

For personalised advice on when to include TPD as part of the covers protecting you and your family, contact your current Adviser here or email us at life@certusnz.co.nz.


INCOME PROTECTION

The quality of your lifestyle is not based on the house you live in or the car you drive, it’s primarily to do with the income that you earn. If that income suddenly stopped due to a serious illness or accident, your family would be significantly affected. Income Protection benefit can provide financial stability in difficult times.

For personalised advice on what type of Income Protection best suits your employment situation, contact your current Adviser here or email us at life@certusnz.co.nz.


TRAUMA

You do not have to look far to find a friend or family member who has been diagnosed with a serious major health condition such as cancer, heart attacks and strokes.

Trauma insurance covers over 40 plus major health conditions which means the modern policies provide comprehensive coverage.

We live in a world of convenience where fast food is seeing a rising incidence in the number of people suffering from disease and diabetes. These events often result in financial hardship and crucial delays in accessing non-funded medications.

Trauma cover provides a tax paid lump sum to cover lost income, and fund medications for cancer not covered by private health insurers or the Government.

For personalised advice on which Trauma options best suit your circumstances, contact your Adviser here or email us at life@certusnz.co.nz.


HEALTH

It is often said, without your health you have nothing and that is certainly the case during your working life. The NZ Public Health system has noticeable limitations and one area in particular is elective surgery.

New Zealanders are struggling just to get on the public waiting list and then once on there it is often months before you can even speak to a Specialist.

Having a private health plan enables you and your family to seek immediate Specialist and Surgical treatment and avoid unnecessary deterioration of your health.

For personalised advice on how to select the right plan for you and your family, contact your current Adviser here or email us at health@certusnz.co.nz.