
Services
Discover our diverse range of insurance services, tailored to your specific needs. From auto and home insurance to health and life coverage, we provide reliable solutions with exceptional customer service.


Critical Illness
This is your Service description. Provide details, benefits and other useful information.
Income
insurance
We know each business is different, so your cover to be tailored for the unique risks you face.
Mortgage Cover
Safeguarding Your Family's Haven
"In every cornerstone of a home, memories are woven." This sentiment underscores the importance of securing these memories.
In Aotearoa, mortgage cover serves as a robust financial safeguard, ensuring that, come what may, your home stands unwavering as your haven. This pact between you and the insurer ensures that should life's tide turn due to disability, illness, or critical ailments, your monthly mortgage or rent dues remain in check, cushioning your kin from added fiscal stress.
Even if you don't hold a home-loan and instead shoulder rent payments, an agreement with your insurer can still safeguard you. This arrangement can cover your rent, manage household expenditures, or protect a segment of your income, offering peace of mind similar to mortgage repayment cover.
Given that property ventures often rank among the heftiest financial commitments for Kiwi families, mortgage cover emerges as a vital shield. This assurance allows your family to persist in their treasured abode, devoid of financial strain or looming foreclosure threats.
But mortgage cover transcends brick and timber. It's about sheltering memories, granting steadiness, and ensuring uninterrupted life rhythms amid economic tempests. In a terrain marked by property market shifts and fluid economic contours, mortgage cover isn't a luxury; it's a necessity. Embracing this cover isn't just about shielding an asset; it's about cocooning the spirits that call it home.
Diverse as the Kiwi landscape, mortgage cover in New Zealand offers varied choices, resonating with distinct mortgage designs and financial standings. From addressing a slice of the mortgage to safeguarding the entire loan balance, there's a tailored plan for every homeowner.
Flexibility defines mortgage cover. As families blossom, loan details shift, or monetary scenarios morph, policyholders can recalibrate their coverage, ensuring apt protection throughout life's chapters. From budding homeowners to those at their mortgage journey's sunset, there's a tailored shield for all.
Expanding its embrace, some mortgage covers can encapsulate added perks, covering ancillary costs like city-council tariffs or home insurance premiums. This holistic strategy guarantees a buffer against all possible property-linked financial hitches.
Set against New Zealand's mesmerising vistas, each home narrates a distinct tale. With mortgage cover, Kiwis ensure these tales flow uninterrupted, fortified against fiscal unpredictabilities. Mortgage cover isn't just paperwork; it's an oath to guard family's heart and hearth, letting memories flourish and offering unceasing refuge.
Mortgage
Insurance
Mortgage
Insurance
Mortgage
Insurance

Mortgage cover FAQ: Your Guide to Informed Choices
Are mortgage insurance premiums deductible in New Zealand?
Health insurance is a contract between you and your insurance provider wherein you pay a monthly premium, and in return, the insurance company covers or subsidizes your medical expenses. Having health insurance is crucial because it helps protect you from high, unexpected costs. With the rising cost of medical care, hospital visits or procedures can be financially overwhelming. Health insurance gives you peace of mind, knowing that you're protected from these unexpected expenses, and ensures you get the medical attention you need without the stress of how to afford it.
How does mortgage insurance work in New Zealand?
In New Zealand, mortgage cover is designed to repay your mortgage in the event of specific circumstances, such as death or critical illness. The policy's beneficiary is usually the lending institution. By taking out a mortgage insurance policy, you agree to pay regular premiums. In return, the insurer commits to repaying the outstanding mortgage balance to your lender if the insured event occurs. This ensures that your family or dependents are not burdened with the mortgage debt.
What is a decreasing mortgage cover plan?
A decreasing mortgage cover plan, often referred to as decreasing term life insurance in New Zealand, is where the sum insured reduces over time. This decrease typically aligns with the declining balance of a standard repayment mortgage. As you continue to pay off your mortgage, the potential payout of the policy reduces, reflecting the decreasing amount you owe on your home loan. Premiums for this type of cover are generally more affordable than for level term insurance since the potential payout diminishes over time.
Note: For personalised advice and detailed information, it's recommended to consult with our licensed financial adviser to evaluate your specific circumstances and provide accurate guidance regarding required insurance products.