Advice Kiwi: Christchurch, New Zealand

A Disclosure Statement is available upon request and free of Charge.  All content on this page is the opinion of AdviceKiwi and should not be considered personalised financial advice

© 2017 ADVICE KIWI.

WEBSITE BY TE AO RECORDS

PROTECT WHAT'S IMPORTANT:

BUSINESS CONTINUITY COVER:

Would your business fall flat if you couldn't work?  Business Continuity insurance provides a monthly benefit payment to protect you against business interruption.  It keeps your business running when you, or a key employee are unable to work due to illness or injury.

BUY-SELL AGREEMENTS:

Life cover provides a lump sum of funds in the event that you or a key employee passes away.  The money can be used to reduce business debt or replace income that would have been generated by the key person.  It is very important when there a multiple shareholders involved, as this will allow you to buy out the shares of the business partner who has passed away or become terminally ill.

‚Äč

TOTAL AND PERMANENT DISABILITY COVER:

Often referred to as TPD, this cover is a lump sum if you are totally and permanently disabled, and unlikely to ever return to work again. There are two types, ‘Any Occupation’ and ‘Own Occupation’, and as with Income Protection cover, it is important to get some advice about which product is best for your circumstances.

GROUP HEALTH 

COVER:

When you have fantastic staff, keeping them is vital to the future of your business.  A great way to ensure your staff feel valued is to provide added benefits such as Health Cover.  Not only will it prevent your staff from jumping ship, but it will also enable them to seek medical advice sooner, and get back to work faster when they do get sick. 

Advice Kiwi Logo New Zealand Insurance Adviser Christchurch Advisers