Personal Insurance
Personal insurance at competitive rates
Personal insurance covers a range of insurance products that protects the financial stability of you and those closest to you. This includes personal insurance, health insurance, car insurance, life insurance, disability insurance, income protection insurance, trauma insurance, content insurance. For personalised advice on selecting the right balance of covers to protect you and your loved ones, contact your current Adviser here or email us at life@certusnz.co.nz.
Whether it’s loss of life, terminal illness, serious illness, permanent or temporary disability, there is a solution for you to provide financial security when you need it most.
House Cover
Your home is most likely your greatest asset. It’s the place where you and your loved-ones live. Or it may be an investment. It could be the home you live in, a rental property or maybe your holiday home. We can make sure you insure your home with a tailor-made policy with all the features that are right for you. Importantly, with the appropriate cover you can also add cover for decks, garages, driveways or even swimming pools.
TIP: To calculate how much it would be to rebuild your home, go to the easy-to-use Cordell Calculator here.
For personalised advice on how to best protect your home, rental property and/or holiday home, contact one of our trusted Advisers or email us at domestic@certusnz.co.nz.
Your Car
Get the right cover to suit you and your car and avoid any disappointment by knowing all your options. We offer a range of covers, from comprehensive to basic third-party insurance.
For comprehensive advice on how to best insure your car, contact your current Adviser or email us at domestic@certusnz.co.nz.
House Content
Your house or flat is your home… your sanctuary… where you return to after a busy day and feel safe and secure. Inside are often your favourite and most treasured things. Insuring these items, along with other furnishings and contents, will help you manage should items are damaged, stolen or lost. With the right policy, we’ll give you peace-of-mind so you don’t have to worry about a thing.
For personalised advice on how to best to protect your precious possessions, contact your current Adviser or email us at domestic@certusnz.co.nz.
Life Cover
Life cover provides a tax-paid lump sum upon death or diagnosis of a terminal illness when you have less than 12 months to live. Importantly, you have several options available where a balance of stepped and level premiums will provide the best solution to protect your loved-ones left behind.
The good news is, life cover provides security for a wide range of financial commitments by paying a lump sum on your death such as :
Repayment of Mortgage loans
Repayment of Personal debts
Settlement of Business obligations
Funding your family’s future lifestyle and commitments
For personalised advice on how to provide security for your loved ones, contact your current Adviser or email us at life@certusnz.co.nz
Life Cover: Annual Renewal
To discuss or to set up your annual renewal of your Life Cover, contact your current Adviser or email us at life@certusnz.co.nz
Disability Cover
Total and permanent disability cover (TPD) pays out a lump sum if a total and permanent disability prevents you from returning to work.
If you’re the main income earner, it’s important you plan for what would happen to your family if you were unable to ever work again due to being totally and permanently disabled.
Total and permanent disability can be as devastating as loss of life or a terminal illness.
Your family will have lost a valuable income producer for the family home. And they will also have to support a disabled person for the rest of their working life. It makes sense to put protection in place.
To discuss or to set up your Disability Cover, contact your current Adviser or email us at life@certusnz.co.nz
Health
Health Insurance cover protects you and your family from unexpected healthcare costs.
3 key benefits
Health Insurance cover means you can:
1. Get qualifying medical treatment quickly
2. Avoid public hospital waiting lists
3. Have more choice over when you have treatment
Get the specialist and surgical treatment you need without waiting
We often say, without our health we have nothing. This is certainly the case during your working life. We all know the NZ Public Health system has limitations. One striking area is elective surgery.
New Zealanders are struggling just to get on the public waiting list and then once on it, it is can be months before you can even see a Specialist.
Having a private health plan enables you and your family to seek immediate Specialist and Surgical treatment and avoid unnecessary deterioration of your health. And that means a better quality of life. For more information, contact your current Adviser or email us at life@certusnz.co.nz
Income Protection Cover
Income protection cover pays a monthly benefit if you’re unable to work in your own occupation due to illness or injury. The benefit starts after a waiting period that you select and is paid for a period which you choose.
Importantly, the quality of your lifestyle is not based on the house in which you live or the car you drive. It’s primarily to do with the income that you earn. If that income suddenly stopped due to a serious illness or accident, your family would be significantly affected.
Income Protection benefit can provide essential financial stability in difficult times to make coping easier. For more information, contact your current Adviser or email us at life@certusnz.co.nz
Trauma Cover
Trauma cover provides a tax paid lump sum to cover lost income. It also funds medications for cancer not covered by private health insurers or the Government.
You don’t have to look far to find a friend or family member who has been diagnosed with a serious major health condition such as cancer, heart attack or stroke.
Trauma insurance covers more that 40 major health conditions. This means our modern, up-to-date policies will provide you with comprehensive coverage.
We live in a world of convenience where fast food is seeing a rising incidence in disease and diabetes. These events often result in financial hardship and crucial delays in accessing non-funded medications. Trauma cover makes sure you have a safety-net in place. For more information, contact your current Adviser or email us at life@certusnz.co.nz