At IKONIK we like to keep things simple and stress free. That’s why our clients love us.
Life insurance is peace of mind, knowing that the people you care about or the business you leave behind will be looked after if you become terminally ill or in the event of your death.
There are events in life that you cannot predict, however you can protect your family and /or business by being prepared should anything unexpected happen.
Life Insurance can be paid as a Lump sum or as a Monthly amount over a selected period of time. The money received could be used to:
How would your family cope if you suffered a trauma event such as cancer, heart attack or a stroke?
A critical illness or injury can have a significant impact on you, a business or family.
Having Trauma Cover can minimize stress and provide financial stability should a serious event occur.
Trauma Cover is paid as a Lump sum upon the diagnosis of a specified medical condition or injury. You could use the benefit to:
Your ability to earn an income is your most important asset.
If one day you are unable to work as a result of serious illness, injury or disability. Investing in Income Cover can replace a significant portion of lost income to help with financial needs.
Why would I need Income Protection?
Income protection pays you a monthly benefit – just like your salary – and generally covers up to 75% of your pre-tax salary. The money can help you:
Ensuring your home remains yours, even if you are unable to work is vital and can have a devastating impact if not protected.
Mortgage protection is designed to help you meet your mortgage repayments or rent in the event of illness or injury.
You have the choice of covering repayments for up to two years, five years, or to age 65 if you were never able to work again, allowing you to focus on your recovery without having to worry about the financial stress of not been able to meet what is likely to be biggest regular expense .
Why would I need Medical Insurance?
We’re lucky to have a good public healthcare system in New Zealand, but if you develop a condition that isn’t life threatening, you might not receive the treatment you require straight away.
No one plans to get sick or hurt, but most people need medical care at some point. Medical Insurance can provide protection to you and those who rely on you by covering the cost of surgery and unexpected medical expenses. Some medical providers will cover the cost of quality treatment like non pharmacy drugs that may not be offered through the public health system.
Benefits of Medical Cover:
How would your family or your business cope if you were permanently disabled?
Nobody likes to think about becoming disabled but permanent disability affects many New Zealanders.
Total Permanent Disablement (TPD) cover provides a one-off lump sum payment in the event of total permanent disablement caused by accident or illness.
You can choose how to spend it. The money can be used to: