Home Loan Protection Insurance
Buying a home is a big responsibility. And it’s the commitment that affects not only you, but also your family. The last thing you’ll want to see is your home slip out of your hands if for some reason you can’t meet your repayments.
What would happen if you were unable to work for a period of time or worse still, were no longer around? Would you have the resources to keep paying off your home loan, and safeguard your family’s future? Mortgage insurance can give you peace of mind in situations such as these.
Life Cover – Provides a lump-sum payment if you die, which can allow your family to repay the mortgage in full, depending on the level of cover.
Trauma Insurance – Pays a lump sum if you are diagnosed with a defined critical illness, such as heart attack or cancer, giving you the option to pay off some or all of the mortgage and maintain your lifestyle.
Redundancy Cover – is available on certain policies and provides cover for your monthly mortgage repayments for a fixed period of time if you are made redundant.
If you have a mortgage in New Zealand, it’s a good idea to protect yourself against all eventualities with mortgage protection insurance.
SHARE adviser Alan Fleet can offer a number of ways to ensure your home stays in your hands. Just ask us. A quick question on your part can lead to a lifetime of peace of mind.
Disability Health & Life Insurance
We are all aware that "accidents or illness can strike at any time" and have the ability to seriously affect your lifestyle and business financial health. Unfortunately most people do not fully comprehend the 'burden' that injuries can place on the family after a trauma event.
The first step to protecting your family and business from the effects of accident and trauma is "by ensuring your life cover plans are set to give you the choices you want and need".
Following is some common health, life and income protection options which provide you with more choices in times of need:
Income Protection: Generates cash flow - if you can't.
Key Man: Acknowledge the value you or your staff have within your business.
Total & Permanent: In case you just can't carry on in the same capacity as before.
Trauma Cover: For more serious unexpected injury or illness – "the career saver"
Family & Personal Plans: Ensure you are never forced to compromise on health care. Especially when you need quality, timely health care.
Premature Death: As inevitable as life itself - should you go 'too soon' we can provide the funds for your plan that will care for those left behind.
Home Loan Protection: Pays the monthly mortgage repayment or the whole loan in one lump sum
If you'd like to know how these plans can help protect you and your family, just ask for a FREE life Cover check-up today. Ask Alan for a your free appraisal.