Protecting your future

We'll find the right insurance solution to suit your specific needs from a number of different insurance companies throughout New Zealand. The companies we work closely with include AIA New Zealand, Sovereign, Southern Cross, Tower, AXA and Onepath.

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Personal Protection

No matter how well you plan your life, sometimes things just don't always go as planned. That's why it's important to be prepared.

 

Life Insurance

The unexpected death of a loved one can have a devastating effect on those who are left behind. Will the family home need to be sold as mortgage payments become unaffordable? Will there be sufficient funds to cover regular living expenses as well as holidays and school fees? The solution is life cover.

We offer a range of life cover plans that provide financial security for your family if you die. Most of these plans include added benefits, like a funeral grant or financial planning grant for your family. Some life insurance plans also offer a refund of your premiums, giving you more certainty in your insurance.

 

Critical Illness Insurance

A critical illness is a serious illness, trauma or disability such as cancer, heart attack or stroke. Statistics tell us that 50% of men and 33% of women will suffer a critical illness before the age of 70 (Gen Re Lifehealth, Australia 2005). So how would your household cope financially if you or your spouse were affected by a critical illness?

Critical illness insurance, also called trauma insurance, pays you a lump sum of money if you suffer a critical illness, disability or trauma that's listed in the policy. You can use the money how you like – to repay a mortgage, on a recuperation holiday or to refurbish your home for instance. It's extra peace of mind that you'll have financial support when you need it.

 

Disability Insurance

Nobody likes to think about becoming disabled, but permanent disability affects many New Zealanders. A serious illness can erode your health either gradually or quickly until you're unable to work, or a serious accident could leave you totally and permanently disabled.

If you become permanently disabled, disability insurance helps make life a little easier. The money can be used how you like – for living expenses, a full-time carer or modifications to your home for instance. It's also useful for reducing debt so that you can maintain an affordable lifestyle.

 

Income Protection Insurance

An accident, illness or temporary disability at some time in your working life is a very real possibility. And recovering from an illness or accident is difficult enough without the extra stress of financial worries.

If you're unable to work because of an illness or accident, how would you cover your everyday expenses such as rent, food and phone? What about debt repayments such as your mortgage or credit card? Sick pay generally only covers a few days absence each year, so it's important to have a contingency plan in place.

 

Mortgage Insurance

Your home is a major investment, so if you have a home loan you'll want to ensure all your regular repayments are made. But what if you were suddenly unable to work?

An accident or illness during your working life is a real possibility, and recovering from an illness or accident is difficult enough without the extra burden of financial worries. Sick pay generally only covers a few days of absence each year and may not be enough to cover your mortgage repayments. That's why it's important to have a contingency plan in place.

 

Health Insurance

Public health waiting lists are a fact of life in New Zealand, with some people waiting months, or even years to get treatment. That's why having health insurance is so important – it gives you quality healthcare in a private hospital when you need it, not when waiting lists dictate.

At AIA FSN, we offer a wide range of health insurance plans to suit your needs and budget. Depending on the plan you choose you could get cover for:

  • Treatment in a private hospital
  • Surgical and non-surgical costs
  • Doctors' visits
  • Diagnostic procedures such as x-rays and MRI
  • Alternative therapies
  • Specialist visits
  • And more…
+ Find an Adviser

Your AIA FSN Insurance Adviser can take you through a free business risk assessment and create an insurance plan specifically to protect your business.

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Business Insurance

Your business is your livelihood, so you'll want to ensure it's protected in case something happened to you or a key person in your business.

 

New Business Insurance

Starting and running your own business can be very rewarding, but requires commitment, time and significant upfront financial investment. That is why you’ll want to protect the hard work and investment.  So if you are or a key person in your business is suddenly taken ill or has a serious accident, how will your business continue to grow?

New Business insurance provides an insurance solution to for new and start-up businesses. It provides a monthly income to help keep the business afloat if you or a key person in your business is unable to work due to illness or accident. 

 

Established Business Insurance

Running your own business gives you the freedom to set your own goals and do things your way.  So what would happen if you or a key person in your business was suddenly taken out of the picture?

Insurance for established business provides you with a financial safety net to ensure your business can continue, even if you’re not around – protecting your livelihood and the business you’ve worked so hard for. It provides a monthly income which can be used to pay expenses, hire new staff or more.

 

Critical Illness Insurance

A critical illness is a serious illness, trauma or disability such as cancer, heart attack or stroke. Statistics tell us that 50% of men and 33% of women will suffer a critical illness before the age of 70 (Gen Re Lifehealth, Australia 2005).

So how would your business cope financially if you or a key person in your business was affected by a critical illness? How would you pay off your debts and expenses? Would your customers and suppliers still want to deal with your business? And what would your business be worth if you had to sell? It’s worth thinking about.  Critical Illness Insurance pays a lump sum if you or a key person in your business suffers a critical illness such as cancer, heart attack or stroke.

 

Life Insurance

The early death of a business owner or key person in a business can be devastating for any business. If you’re in a business partnership how can you ensure your business’ and your family’s best interests are looked after even when you’re not around?

Life Insurance provides a lump sum payment if you or a key person in your business dies. It is paid to help protect your interests in the business, for instance to reduce debt, hire a replacement person or to prepare your business for sale.

 

Disability Insurance

Nobody likes to think about becoming disabled, but disability affects many New Zealanders.

So how would your business cope financially if you or a key person in your business was suddenly disabled permanently? How would you pay off your debts and expenses? And how would you continue to support your family? 

Disability Insurance provides a lump sum payment if you or a key person in your business is permanently disabled due to illness or accident. The payment can be used for any purpose – reducing debt, hiring a replacement person, or buying out your partner’s share of the business for instance.

 

Farmers Insurance

As a primary producer, such as a farmer, horticulturalist or viticulturalist, your livelihood depends on your ability to work. So if you or a key person in your business is suddenly taken out of the equation through illness or accident, how would your business continue to generate enough revenue to provide for you and your family?  It's a monthly payment that provides a financial safety net to ensure your farm can continue even if you're not around.

+ Find an Adviser

Your AIA FSN Insurance Adviser can take you through a free business risk assessment and create an insurance plan specifically to protect your business.