At IKONIK we like to keep things simple and stress free. That’s why our clients love us.


Life Insurance

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:

  • Cover mortgage repayments
  • Purchase a House
  • Cover Funeral & Legal Costs
  • Provide an Emergency Fund
  • Cover Children’s Education
  • Replace lost Income

Trauma Cover

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:

  • Pay for private medical treatment
  • Make lifestyle changes so you can focus on recovery
  • Cover any major debts or day to day living expenses while you recover
  • Take some time off work or take a stress-free family holiday.
  • Fund alternative medical treatment

Income Cover

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:

  • Cover your mortgage or rent
  • Continue to cover your day to day living expenses
  • Take care of any normal bills while you focus on getting better

Mortgage & Rent Protection

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 .

Medical Insurance

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:

  • Reduced time restraints – no waiting on public health system list
  • Control over when you receive care
  • Can eliminate extra cost for treatment not covered by the public health system

Total Permanent Disability

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:

  • Pay off the mortgage
  • Fund lifestyle changes and home modifications
  • Cover the cost of long-term care or medical expenses
  • Pay any debts including your mortgage
  • Fund an on-going income for your family.
  • Ensure your business survives
We can provide INSURANCE COMPARISONS for all the major banks and insurance companies in the New Zealand market.