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

Insurances

Insurances

Business

Understanding how your business operates and having goals for growth and/or development are important when considering how to insure against anything that may interrupt your plans. Regardless of whether your business is a small or medium-sized enterprise or a nationwide operation, all businesses face similar issues.

  • 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? You can protect your business from this situation with KEY PERSON COVER.
  • Regular overheads and operational costs can really add up each month. There is cover available for these costs if a team member is unable to work and your income is affected. Together, we can work out what your regular fixed operation costs are and put in place cover that will pay your expenses. BUSINESS EXPENSES is a great solution to remove the concern of meeting your financial obligations.
  • Success planning is a really important exercise for anyone in business who wants to see the business continue on as a legacy. Have you structured your insurance to meet ‘Buy and Sell’ obligations? No one wants to see their blood, sweat and tears wasted because funds were not available for the appropriate person to take the reins and continue the legacy. A planning session on ‘who takes over’ and ‘how’ under agreed circumstances will be effective with the appropriate LUMP SUM INSURANCE PAYMENTS tied in to enable it all to happen.

To find out more and how you can apply for cover, contact Cynthia.

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.

  • If your income suddenly stops because you can’t work due to sickness or disablement, what can you fall back on? Replacement income can be arranged so that your regular bills are paid and your lifestyle is maintained. The solution I offer is INCOME PROTECTION.
  • If you suffered a major health event that placed you in hospital, what would you do? A lump sum payment can help with you with recovery and rehabilitation as well as clear mortgages, debt, rent, or allow you to take a break. Common claims result from heart attacks and cancer. Have you thought about how you would face this situation and what you might need to get through it? The solution I offer is TRAUMA COVER.
  • If you develop a disability which requires ongoing rehabilitation and care as well as adjusting your day-to-day life to accommodate that disability, what support do you have available to you? This type of event could include loss of a limb or use of an artificial limb or wheelchair. You might need a caregiver for a period of time to help you at home. The solution I offer is TOTAL AND PERMANENT DISABLEMENT COVER.
  • You don’t want to think about it but if you did pass away, how do you want to leave your affairs? Getting through the grieving process is tough enough for your family without the pressure of dealing with your estate if you have not made any arrangements. Make it easier for them by organising any outstanding debts to be cleared and funeral arrangements to be funded. The solution I offer is LIFE COVER.
  • If you are made redundant or can’t work due to medical reasons, it can be hard to cover your mortgage. How do you get by if you have a mortgage and can’t make repayments? The solution I offer is MORTGAGE PROTECTION COVER.
  • If you need surgery unexpectedly, it can mean waiting lists and/or a huge bill. Get the treatment you need when you need it most and return to good health without worrying about medical bills. The solution I offer is HEALTH INSURANCE.

 

To find out more and how you can apply for cover, contact Cynthia.

Families

There are a number of curve balls that can hit your family and ultimately change your life as you know it – unless you have the right insurance cover to get you through the tough times. It makes sense to consider and discuss how your family would cope if:

  • Your income suddenly stops because a family member is sick or disabled. The solution I offer is INCOME PROTECTION.
  • A family member is unwell (possibly in hospital) and receiving ongoing treatment that changes your lifestyle temporarily or permanently. The solution I offer is TRAUMA COVER.
  • A family member develops a disability that requires ongoing rehabilitation and care as well as adjusting your day-to-day life to accommodate that disability. This type of event could include loss of a limb or use of an artificial limb or wheelchair. The solution I offer is TOTAL AND PERMANENT DISABLEMENT COVER.
  • A family member dies. Getting through the grieving process is tough enough without the pressure of having to return to work straight away, looking after children alone, and maintaining the usual costs of living. The solution I offer is LIFE COVER.
  • If you are made redundant or can’t work due to medical reasons, it can be hard to cover your mortgage. How do you get by if you have a mortgage and can’t make repayments? The solution I offer is MORTGAGE PROTECTION COVER.
  • Day-to-day medical expenses for a family can be expensive. If a family member needs surgery unexpectedly, it can mean waiting lists and/or a huge bill. Get the treatment you need when you need it most and return to good health without worrying about medical bills. The solution I offer is HEALTH INSURANCE.

To find out more and how you can apply for cover, contact Cynthia.

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.

To find out more and how you can apply for cover, contact Cynthia.