Everything we help with, and who does it.

What if I died and the mortgage, the bills and the kids were all still here?

A lump sum paid to your family if you die or are diagnosed with a terminal illness.

What if I needed surgery and the public waiting list was months long?

Pays for private treatment so you get seen, scanned and operated on quickly instead of waiting.

What if I got cancer or had a heart attack and money was the last thing I wanted to think about?

A lump sum paid on diagnosis of a serious illness such as cancer, heart attack or stroke, to spend however you need.

What if I was too sick to work for a year and my pay just stopped?

Money each month to replace most of your income if illness or injury stops you working.

What if I couldn't work for months and the mortgage payments kept coming out?

A monthly payment toward your mortgage or rent if illness or injury stops you working.

What if I was so sick or so badly hurt that I could never work again, with decades of bills still ahead?

A lump sum paid if illness or injury leaves you permanently unable to work, to clear debt and fund the life ahead.

What if I was badly hurt in an accident and ACC only covered part of what I'd lose?

A lump sum paid if an accident causes an injury listed in your policy, typically on top of anything ACC pays.

What if I lost my job and still had to pay the mortgage while I looked for another one?

A monthly payment for a limited time if you are made redundant, usually added to mortgage or income protection.