Life can be a risky business – that’s why it’s necessary to have a plan to protect yourself, your family, or business to protect your financial security and assist in maintaining your lifestyle.
At Nauman Insurance Brokers, we have a range of products available to help when Life doesn’t go to plan. We offer professional service to assist you in identifying your current and future insurance needs. We will assist in implementing an insurance programme with you, and review the coverage as your circumstances changes.
We can advise on policies suitable for personal and businesses requirements.
Life Cover insurance pays a lump sum in the event of death or if you become terminally ill. For personal Insurance, these funds can help reduce debt, pay for funeral costs and other final expenses, or create an investment fund to generate an ongoing income.
For Business Insurance funds can be used to enable business ownership to be restructured, (in support of any buy sell arrangements), reduce debt, or assist in cash-flow whilst decisions can be made.
Trauma or Living Assurance
Trauma Insurance provides a lump sum to help you recover physically and financially from one of the covered serious conditions. The most common illnesses linked to trauma insurance in New Zealand are Cancer, heart attack and stroke.
Total and Permanent Disablement (TPD) insurance
It’s easy to take good health for granted but sometimes we become ill or have an accident and, if it’s serious, we might be unable to work ever again. Total Permanent Disablement can provide a lump-sum payment, and financial peace of mind, should you become totally and permanently disabled and be unable to work, through accident or illness.
If you, or a member of your family, require surgery or medical treatment, Health Insurance not only gives you the freedom to select the best specialists and the best hospitals, it generally ensures that you avoid a long waiting list to receive essential treatment. This gives you greater certainty about the most important thing you need to protect – your health.
Income Protection Insurance
While your health may suffer a setback, your finances and lifestyle shouldn’t have to. If illness and injury leave you unable to work, income protection can help protect you and your family from the financial impact. Disability Income Protection can provide you with a monthly payment if you are unable to work due to sickness or injury.
Mortgage Protection Insurance
If for some reason you can’t meet your mortgage instalments or rent payments. Mortgage Protection insurance can help cover your monthly mortgage instalments or rent payments or other expenses if your earning capacity is seriously affected by illness, disability or redundancy; ensuring your lifestyle is protected.
To find out more about our Life & Health products click here