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Insurance will help protect your family’s financial future
Different policies cover different needs, so you need to choose the one that’s right for you
Not all policies are created equal – some will give you more benefits than others
Life Insurance is that extra bit of help for the people that you care about in the event of your death. With Life Insurance, you are able to choose a lump sum amount which will be paid out if the insured person dies or is terminally ill as defined in the specific policy.
This lump sum can help reduce debt, pay for funeral costs, put money towards education and pay off any final debts you may have.
Your ability to earn a regular income is your most important asset. Without it, how could you cover expenses such as mortgage repayments, household bills, or your children’s education?
Income cover can provide financial stability if you find yourself unable to work due to a serious illness, injury, or disability as defined in the specific policy. It can replace a significant portion of your lost income to help with financial needs.
Income cover is paid as a monthly benefit – just like your salary – and generally covers up to 75% of your pre-tax salary. The money may help you to pay your mortgage or rent, normal bills, and day-to-day living expenses while you focus on getting better.
Make sure your home remains your home even if you are unable to work.
Mortgage insurance and rent protection insurance are designed to help you meet your mortgage repayments or rent in the event of illness or injury as defined in the specific policy.
You have the choice of getting insurance to cover repayments for up to two years, five years, or to age 65 if you are never able to work again. Mortgage or rent protection insurance allows you to focus on your recovery without worrying about the financial stress of meeting what is likely your biggest expense.
Protect your most important assets – your directors, partners and employees. These people are incredibly valuable to your business and can be hard to replace.
We can help you develop a group insurance benefits programme for your employees, making the most of group discounted premiums and FREE financial advice.
Get better insurance in six simple steps. We take all our clients through this easy, no-fuss process.
You can trust us to keep things simple and stress-free.
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We will meet with you at your home, business, or a location of your choice. Our initial meeting is a chance for us to find out what’s important to you and your family. We’ll discuss your current insurance policies and what kind of protection you’d like to put in place for the future. We’ll also talk about KiwiSaver and saving for retirement.
Once we know more about you and your goals, we’ll go away and do some market research. We’ll provide insurance comparisons from all the major banks and insurance companies to find the best policy for you. From there, we’ll develop a tailored plan to suit your unique needs.
We will present to you our market research and insurance comparisons – arming you with the knowledge you need to make a decision. If you like our findings, we will help you lodge an application with your preferred insurance provider.
We have a great relationship with not only our clients, but also our insurance providers. We will work closely with your preferred insurance provider throughout the underwriting process. We’ll let you know exactly what information you need to disclose to avoid any unexpected surprises at claim time.
Once your new policy is approved, we’ll send you the policy summary and everything you need to know about your new insurance. You’re now officially part of the IKONIK family! Choosing IKONIK is about more than getting great advice, quality cover, and affordable insurance. You’ll also get our ongoing support and service. If you have any questions, just ask.
When the time comes to make a claim on your insurance policy, we’ll be by your side every step of the way. Please talk to us FIRST so we can help to manage the claims process from start to finish and ensure everything is as smooth and as stress-free as possible.