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Last year 85 New Zealanders died on average everyday

Life Insurance

It’s important to take charge and make the most of life, but we understand that things may not always go to plan. If something happened to you, your loss could affect those you love both emotionally and financially.

Knowing you have cover that can help your loved ones to survive financially should the worst happen, makes all the difference at a time when support can be at its most needed.

It’s peace of mind that your family can pay the monthly bills or mortgage repayments without your salary. Or that your business can survive without your expertise.

Everyone’s circumstances are different, so Moneybox has life insurance options designed to best meet your needs.


 

Every day in New Zealand 58 new cases of Cancer are reported

Crisis/Trauma Insurance

Crisis/Trauma insurance benefits pay out a lump sum if you were to suffer from one of 40 or more defined medical/accident conditions.

You can choose to spend the proceeds from your insurance pay out however you wish e.g. paying for medical treatment, rehabilitation costs, retire debt, travel etc. Understanding the myriad of challenges. You would potentially face if you suffered a major illness or accident, a Trauma/Crisis pay out would help mitigate financial stress at a very difficult time in your life.

 


 

230,000 claims were made to ACC in 2015 for work related injuries

Income protection

For most of us the ability to earn an income is our biggest asset.

The financial consequences of a disability or extended illness or accident could be devastating for your lifestyle and those that depend on you, financially & emotionally.

Recovering from an illness or accident is also difficult enough without the extra stress of financial worries. Income protection replaces your income if you can’t work due to sickness or injury. Its important because your income is what allows you to fund your lifestyle today and allow you to make plans for tomorrow.

Income protection pays you a monthly benefit- just like your salary – and generally covers up to 75% of your pre-tax income. The money can help you…

  • Continue to support yourself and your loved ones.
  • Cover your mortgage or rent payments
  • Continue to cover your living costs
  • Take care of all your normal bills while you focus on getting better

 


Total and Permanent Disability Insurance

While for most people the early death of an income earner would cause serious financial strain for those left behind; the financial impact would be just as serious if that income-earner became totally and permanently disabled and unable to work for the rest of their life (medically retired).

An illness or accident can erode your health either gradually or quickly until you’re unable to work, or a serious accident mean you can never work again.

Total and Permanent Disability (TPD) insurance helps you modify your lifestyle and gives you choice and options if you’re left permanently without the ability to work.

TPD insurance provides a one-off payment that can help you:

  • Fund your lifestyle changes and home modification
  • Cover the cost of long-term care or medical expenses
  • Pay any debts including your mortgage
  • Fund an on-going income for your family


Company Shareholder Insurance

These covers are set up whereby the proceeds of an insurance policy ensure the smooth transfer of shares between surviving shareholders and deceased/disabled shareholders estate or administration.


Key Business Person Insurance

All businesses have a key people working in them. In the event of the untimely death or disability of these key people a business will likely face financial challenges and, in some cases be forced to sell the business or worse still face liquidation.

By insuring these key people a business gives itself a fighting chance of surviving financially whilst future contingency plans are understood and worked through.
 


Group/Workplace Insurance Covers

At Moneybox, we manage various workplace insurance schemes. There are significant benefits for both
the Employer and Employees if a plan is set up in the workplace
This is a specialised area and one Moneybox are very experienced in.
The Moneybox breadth of expertise in the group insurance space includes:

  • Health insurance
  • Life insurance
  • Trauma insurance
  • Disability and income Protection Insurance

Contact us if this is something you are considering for the company and its employees

 


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