Life & Health Insurance

Protect your family and income with the right cover

Life & Health Insurance

When you take on a mortgage, protecting your ability to repay it becomes more important than ever. Life insurance, income protection, and health insurance can give you and your family peace of mind if the unexpected happens.

We work with Maurice Trapp Group, one of New Zealand's most experienced insurance advisory firms, to help you find the right protection for your situation. They can review your existing cover, identify any gaps, and recommend solutions that fit your budget.

Whether you're buying your first home, starting a family, or reviewing your current insurance, getting expert advice ensures you're not paying for cover you don't need while having adequate protection where it matters most.

How We Can Help

Review your existing insurance to identify gaps and overlaps

Understand the difference between life, trauma, TPD, and income protection insurance

Get advice on how much cover you actually need based on your mortgage and lifestyle

Compare policies from multiple insurers to find the best value

Understand what ACC does and doesn't cover for illness and injury

Set up mortgage protection that pays your home loan if something happens to you

Navigate health insurance options for faster access to treatment

Frequently Asked Questions

A common approach is to cover your mortgage balance plus 2-5 years of your income. This ensures your family can pay off the home and have time to adjust financially. Your adviser can help calculate the right amount based on your specific situation.
Life insurance pays a lump sum if you die or are terminally ill. Income protection pays a regular income (usually 55-75% of your salary) if you can't work due to illness or injury. Both serve different purposes and many people have both.
No, ACC only covers injuries caused by accidents. If you get sick with cancer, have a heart attack, or develop a chronic illness, ACC provides no support. This is why income protection and trauma insurance are important for non-accident cover.
Trauma insurance (also called critical illness cover) pays a lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke. It can help cover medical costs, time off work, or lifestyle adjustments during recovery.
The mortgage protection offered by banks is often more expensive and less flexible than standalone life insurance. An independent adviser can often find you better cover for less. We recommend getting quotes from both before deciding.
We partner with Maurice Trapp Group, specialist insurance advisers who can review your needs and recommend appropriate cover. They compare options from multiple insurers and help with the application process. Their advice is usually provided at no direct cost to you.

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.