Protecting your Family, Lifestyle & Mortgage

At Christchurch Insurance Centre we passionately want to work with you to tailor a protection package that will provide you and your dependants with Cashflow, Certainty and Choice when it is needed most.

What does that mean?

Firstly, let's look at some statistics: 

40% of males and 25% of females will suffer a trauma condition between the ages of 30 and 64.

There is a 32% probability of a male and 37% probability of a female becoming disabled for 6 months or more before aged 65.

Over 16% of males and 10% of females will die before reaching the age of 65.

Over 14% of males and 16% of females will be diagnosed with cancer between ages of 30 and 64.

For every 1 house lost in a fire there are 3 homes lost through a death, and 38 lost due to a disability.

When these events occur it can lead to both emotional and financial hardship. Too often a protection package is thrown together with little thought as to the relevance, value for money or quality it will provide when it is needed most – AT CLAIM TIME.

The good news is that by working together we can assist with protecting you, your families lifestyle and mortgage by tailoring a protection package for your unique needs. Maintaining cashflow during these times will ensure that you can move forward with certainty knowing that you and your family are in control over any choices to be made.

To achieve this we use a combination of the following:

(click on each item for further information)

Life Insurance
Family Protection
Trauma Cover
Income Protection
Mortgage Protection
Medical Insurance
Total and Permanent Disability

 

Our commitment to you.

 We will work together to provide you with the knowledge to ensure that you can make any decision about your future financial well-being from a position of knowledge.

 We will provide a written report in plain English detailing areas to consider moving forward.

 We will be there for you when it matters most – AT CLAIM TIME.

 Christchurch Insurance Centre offer a free consultation service and will advise you of the best option for your family from the various options on the market.

We will compare the Quality and Price of the products provided by all the companies listed to ensure that you get the most cost effective cover available in the market today.

We work with these Product Providers to select the most relevant and affordable cover. 

       
  • Accuro
  • AMP
  • Asteron
  • nib
  • Fidelity Life
  • Sovereign
  • One Path
  • Partners Life
  • Southern Cross
  • Grosvenor

 

Life Insurance

 

Life cover provides a lump sum should you die. It is essential for those with family, business or other financial commitments that could be placed in jeopardy in the event of death, cover these commitments so those left behind are under no financial stress.

 

Family Protection

 

This provides a monthly income to be paid to your family on your death rather than a lump-sum payment. A regular monthly income helps the family maintain the lifestyle they had before your death. The advantage of a monthly income as opposed to a lump sum is that the remaining person does not have to worry about investing the lump sum with a risk that the investment may not perform well. A combination of Lump Sum Life insurance and Family Income protection is an attractive solution for many families.

 

Trauma Cover

 

A lump sum or monthly benefit should you suffer a major health problem or trauma condition as defined by the policy. This cover can be used to pay for whatever you want but is typically used as a family rehabilitation buffer to aid recovery and ensure repayment of debt, medical expenses or cover loss of income.

 

Income Protection

 

This protects your greatest asset – your power to earn. Without cashflow, too often it leads to a house of cards situation where financial problems quickly arise. This cover will provide a monthly income if you are unable to work through sickness or injury. This is essential if you and your families lifestyle are reliant on your income.

 

Mortgage Protection

 

This is a packaged product that will be tailored to ensure that you are able to cover this financial commitment during a period of illness and sickness. This package is made up of Life, Trauma and Mortgage Repayment cover so you can ensure your family home is secure.

 

Medical Cover

 

Keeping healthy and being proactive if a health condition occurs is one of the most important facets of surviving in today's competitive world. Your families good health is the foundation of ensuring you can all fulfill the dreams you all wish to achieve. This is especially important for the main breadwinners within a family.

We all know that waiting lists exist for many health conditions within the public health system. In order to be certain that we can control when we want specialist or surgical treatment we need to invest in private medical insurance. We can then be assured that our family will not have a financial burden if we need to finance an expensive operation.

 

Total & Permanent Disability

 

If you have an accident or illness that causes you to be diagnosed as totally and permanently disabled, you will get a lump sum or monthly payout to fund your future medical bills and ongoing living expenses for you and your family. 

 

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'Providing a Certain, Predictable Outcome'

 

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