BRC - Personal Risk Insurances

How long could you afford to live without your regular household income?

Life is full of the unexpected; accidents and illnesses are part of life - we can place a customised income protection policy which would replace your income in the event that you are unable to work due to accident or illness.

How big is your 'Fighting Fund'?

When major health issues strike, we can't always control the treatment process or methods, but we can ensure we have ample funds to fund any available option - Talk to us today about how Critical Illness / Trauma Covers provide a financial safety net in event of Cancer, Stroke or Heart Attack.

Not all medical insurance is created equal..

In NZ we have a range of Health & Medical insurance providers, however its important to understand exactly what your policy covers - does it include non-PHARMAC drug treatments? Does it include Specialist Consultations? What level of cover does it provide? Talk to us about ensuring you have the right coverage when you need it.

Ensuring we don't leave our loved ones 'holding the bag'

Nobody wants to think about their mortality - but at some point, we all have to think about what we leave behind - make sure you don't leave your loved ones with large debts they can't afford.

Individual Protection

Individual Risk Insurance provides financial protection against personal risks, such as illness, injury, or death.

This category includes several types of insurance, such as life, disability, and critical illness coverage.

Life insurance offers a financial safety net to beneficiaries in the event of the policyholder's death, helping cover living expenses, debts, and future needs.

Disability insurance provides income replacement if the policyholder is unable to work due to a disabling condition.

Critical illness insurance offers a lump-sum payment if diagnosed with a severe health condition, helping with medical expenses or lifestyle adjustments.

These policies are essential for safeguarding one's financial stability and that of loved ones, ensuring that unexpected events do not lead to financial hardship.

Tailoring the coverage to individual needs and regularly reviewing policies is crucial for maintaining adequate protection.

Individual Risk Insurance is a proactive approach to managing personal financial security and health-related uncertainties.

Life Assurance

This is a cover that provides, in the event of death or a terminal illness diagnosis a monetary lump sum to you & your estate. This sum is tailored to suit each person's needs, whether paying off your mortgage, having endowment funds for children, or clearing personal loans.

Trauma (Critical Illness) Insurance

This is an insurance that pays a lump sum upon diagnosis of a serious medical condition. Around 80% of claims are related to Cancer, Stroke & Heart Attacks, with the funds being made available to offset lost income, pay medical bills and be a 'cash fighting fund' to aid in recovery.

Income & Mortgage Protection

These insurances pay a monthly benefit based on a percentage of your pre-tax income. They have set 'wait periods' (the length of time before a claim starts) & 'benefit terms' (the maximum length of time a claim can be paid). Policies can be structured as Agreed Value (Tax-Free Benefit) or Indemnity Value (Taxable Benefit) depending on what's best for the individual.

Total Permanent Disablement Cover

A lump sum insurance (similar to life insurance) which pays a benefit when a person is unable to ever work again. Designed to pay off debts and provide financial security when a person cannot ever return to work.

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