Cynthia Owens Insurance Advisor 0274 555 118 cynthiaowensinsurance@xtra.co.nz

BUSINESS

What if a key team member can’t be at work due to an accident or loss? Understanding how your..

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INDIVIDUALS

It’s easy to think that you are bullet prrof and that you do not need insurance because it’s ‘just you’.

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FAMILIES

Life can throw curve balls! Is your family protected from the major life events that can get in the way?

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FARMERS

Having an income source even though you may not be able to run the farm is a nice card to have up your sleeve.

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Discover affordable insurance solutions

Ensuring I deliver quality insurance solutions is vital when I make recommendations to my clients. It is also important that the solutions are affordable and offer real value over the long term. When reviewing a client’s insurance needs, I take many factors into consideration so they will always have the right cover at the right time. Insurance can be a balancing act, trying to gain the ideal cover at a cost that can be maintained over time as needs change. A one-on-one consultation is the best way for me to fully understand your needs and what is important to you and will enable me to provide you with the best level of cover at the best possible price.

Insurance for business

What would you do if a key team member couldn’t be at work due to an accident or loss? Do you have back-up plan for the knowledge and skills you’d lose because of their absence?

  • Key person insurance
  • Shareholder cover insurance
  • Business expenses insurance

Insurance for farmers

If you suddenly become unable to manage your farm due to illness, your income could disappear overnight. Specialised farm insurance can provide you with a fixed amount every month, allowing you time to recover without worrying about money.

  •  Rural income protection insurance

Insurance for families

Life has a habit of throwing curve balls when you least expect them! Is your family protected from major life events that can put obstacles in your way? If your income suddenly stops or you or your partner are unable to work due to illness, will you be able to pay the bills, maintain your lifestyle and look after your family as well as refocusing to get back on track?

 

  •  Life insurance
  • Trauma insurance
  • Income protection insurance
  • Total and permanent disablement insurance
  • Health insurance
  • Mortgage protection insurance

Insurance for individuals

Many people make the mistake of thinking they are bulletproof and don’t need insurance cover because ‘nothing will ever happen to me’. Taking care of your own needs is extremely important, especially if you do not have anyone else you can rely on to get you through tough times.

 

  • Life insurance
  • Trauma insurance
  • Income protection insurance
  • Total and permanent disablement insurance
  • Health insurance
  • Mortgage protection insurance

- WHAT MY CLIENTS HAVE TO SAY -

partners-life
sovereign
onepath
axa
tower
fidelity-life
aia

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