{"id":54,"date":"2017-10-02T16:47:22","date_gmt":"2017-10-02T03:47:22","guid":{"rendered":"https:\/\/portfoliopartnersnz.co.nz\/?page_id=54"},"modified":"2017-10-02T16:55:36","modified_gmt":"2017-10-02T03:55:36","slug":"personal-insurance-solutions","status":"publish","type":"page","link":"https:\/\/portfoliopartnersnz.co.nz\/how-we-can-help\/personal-insurance-solutions\/","title":{"rendered":"Personal insurance solutions"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]<\/p>\n

Protecting what is most important to you<\/h3>\n

Everything we hold dear to us, our family, our lifestyle, our vocation and\u00a0in some cases our business,\u00a0is all precariously balanced by just one thing \u2013 our health (both mental and physical).\u00a0Without that, everything around us is at risk.<\/p>\n

We work hard for a large proportion of our lives, to attain certain physical assets and a desirable lifestyle.<\/p>\n

We want to ensure that all of these assets and the lifestyle that we and our family have grown accustomed to are protected. The right solution to protect these assets will give you certainty that all of your hard work is not in vain.<\/p>\n

Our personal insurance solutions\u00a0will offer you the\u00a0peace of mind<\/strong>\u00a0of knowing that if an unexpected event did occur around an illness or injury, that this will give you the financial security and allow you to concentrate on what important, you and those you care about.[\/vc_column_text][\/vc_column][\/vc_row][vc_row default_padding=”top_bottom” full_width=”stretch_row” css=”.vc_custom_1506916317372{background-color: #f7f7f7 !important;}”][vc_column][vc_column_text css=”.vc_custom_1506916393155{margin-bottom: 15px !important;}”]<\/p>\n

A selection of\u00a0personal insurance solutions include:<\/h3>\n

[\/vc_column_text][vc_row_inner][vc_column_inner width=”1\/2″][vc_column_text]<\/p>\n

Estate Planning<\/h4>\n

The one inevitable certainty in life, is that we will die; however we just don\u2019t know how or when.<\/p>\n

Estate Planning is very much about ensuring our assets go to whom we intend, and that our liabilities are not left to burden those we leave behind.<\/p>\n

Although many parts of the estate planning we cannot do, we can give you guidance and facilitate the correct estate plan to meet these objectives.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_column_text]<\/p>\n

Income Protection<\/h4>\n

An accident, illness or temporary disability at some time during your working life is a very real possibility. Can you think of someone who has been off due to recovery from a car crash; a sporting injury; a temporary but serious illness; a mental health problem; occupational overuse syndrome \u2013 any of these issues could require months off work.<\/p>\n

Sick pay generally only covers a few days absence every year, so if you or a family member or friend were not able to work, what would you fall back on? Do you have a Plan B??[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=”1\/2″][vc_column_text]<\/p>\n

Health Insurance<\/h4>\n

With health insurance you can access treatment in a private hospital, and your insurer will pay (they can either reimburse you or pay the health provider directly). This means that you won\u2032t need to join a public hospital waiting list, and it also usually means that you have a wider range of treatment options, hospitals, and medical specialists available to you.<\/p>\n

In New Zealand we are extremely lucky to have a great health system in place. This system is set up for emergencies and will take care you at these times.<\/p>\n

If however you have an event which is not classed as urgent, for example, you might need a knee replacement, then you may be placed on a non-acute waiting list.<\/p>\n

If you have health insurance, you can choose your doctor or specialist, and you can choose\u00a0when<\/strong>\u00a0and\u00a0where<\/strong>\u00a0you are treated \u2013 all with the assurance that you\u2019ll be able to recover all or most of the costs.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_column_text]<\/p>\n

Life Insurance<\/h4>\n

Life insurance pays a lump sum on your death protecting those people who depend on you. It can be used to pay off your mortgage, pay funeral expenses and also leave an income for those left behind. The correct life cover incorporates a terminal illness benefit, which means the insurance can be paid out early if you are diagnosed with a terminal illness and given less than 12 months to live.<\/p>\n

In New Zealand 1 in 6 men and 1 in 9 women over 30 will die between the ages of 30 and 65.<\/p>\n

While it\u2019s easy to say \u201cthat won\u2019t be me\u201d, denying the possibility of premature death is like playing Russian roulette.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=”1\/2″][vc_column_text]<\/p>\n

Total and Permanent Disability<\/h4>\n

What would happen if you were told you were not able to work in your own occupation again?<\/p>\n

You could reach this point in our life quickly or slowly. Illness can gradually erode your health until you\u2019re unable to work every again; a serious accident could leave you totally and permanently disabled.<\/p>\n

Total and permanent disability insurance allows you to maintain a quality of life for yourself and your family if you are permanently disabled. When you think about the changes which would occur in every aspect of your everyday life if you suffered a permanent disability, being able to maintain some normalcy, and not having to worry about finances can make TPD insurance an investment worth considering.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row default_padding=”top_bottom”][vc_column][vc_column_text]These are only a selection of personal insurance solutions we offer. We recommend\u00a0contacting us<\/strong><\/a>\u00a0so we can understand your situation, and from there can create a tailor made personal insurance solution for you.[\/vc_column_text][vc_btn title=”Contact us for free advice” align=”center” link=”url:https%3A%2F%2Fportfoliopartnersnz.co.nz%2Fcontact%2F|||”][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text] Protecting what is most important to you Everything we hold dear to us, our family, our lifestyle, our vocation and\u00a0in some cases our business,\u00a0is all precariously balanced by just one thing \u2013 our health (both mental and physical).\u00a0Without that, everything around us is at risk. We work hard for a large proportion of our … <\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/portfoliopartnersnz.co.nz\/wp-json\/wp\/v2\/pages\/54"}],"collection":[{"href":"https:\/\/portfoliopartnersnz.co.nz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/portfoliopartnersnz.co.nz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/portfoliopartnersnz.co.nz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/portfoliopartnersnz.co.nz\/wp-json\/wp\/v2\/comments?post=54"}],"version-history":[{"count":8,"href":"https:\/\/portfoliopartnersnz.co.nz\/wp-json\/wp\/v2\/pages\/54\/revisions"}],"predecessor-version":[{"id":69,"href":"https:\/\/portfoliopartnersnz.co.nz\/wp-json\/wp\/v2\/pages\/54\/revisions\/69"}],"up":[{"embeddable":true,"href":"https:\/\/portfoliopartnersnz.co.nz\/wp-json\/wp\/v2\/pages\/6"}],"wp:attachment":[{"href":"https:\/\/portfoliopartnersnz.co.nz\/wp-json\/wp\/v2\/media?parent=54"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}