At NZ Advice Group, we believe insurance isn’t just about policies — it’s about protecting lifestyles, families, and financial futures.
If you’re new to our firm, welcome. We’re looking forward to supporting you and ensuring your personal protection plan is structured correctly for your current stage of life.
Whether you already have cover in place or haven’t reviewed it in some time, now is the perfect opportunity to ensure everything is aligned with your needs.
What Is a Personal Protection Plan?
A personal protection plan is designed to protect you and your family financially if something unexpected happens.
It can include:
Health Insurance
Health insurance helps cover the cost of private medical treatment, giving you faster access to specialists, diagnostic tests, and surgery.
· Many modern policies now include:
· specialist consultations
· Cover for diagnostic tests and imaging
This means fewer out-of-pocket costs and quicker access to care when you need it most.
Life Insurance
Life insurance provides a lump sum payment to your loved ones if you pass away.
It can help:
· Repay a mortgage
· Clear debts
· Provide financial stability
· Replace lost income
· Fund future education costs
It’s about ensuring your family can maintain their lifestyle during a very difficult time.
Trauma Cover
Trauma cover pays a lump sum if you’re diagnosed with a serious medical condition such as cancer, heart attack, or stroke.
This money can be used however you choose: taking time off work, covering treatment costs, paying down debt, or funding recovery and rehabilitation.
Income Protection
Your ability to earn an income is often your biggest financial asset.
Income protection provides monthly payments if illness or injury prevents you from working. It helps cover everyday living expenses, mortgage repayments, and ongoing financial commitments.
Total & Permanent Disability (TPD) Cover
TPD provides a lump sum if you become permanently unable to work due to illness or injury.
This can help modify your home, pay off debt, provide long-term financial support, or create an investment income stream.
When Was the Last Time You Reviewed Your Cover?
Life changes — and so should your insurance.
Common triggers for a review include:
· Buying a home
· Having children
· Changing jobs
· Starting a business
· Paying down debt
· Health changes
Even if nothing major has changed, a simple review ensures your cover is still competitive and appropriate.
Our Commitment to You
If you are one of the clients we have recently welcomed to our firm, we want to reassure you:
· We take a proactive approach
· We review the cover regularly
· We explain things clearly
· We focus on long-term relationships
· We put your interests first
Our goal is simple: to ensure you are protected properly without paying for cover you don’t need.
Next Steps
If you haven’t reviewed your personal protection plan in the last 12–24 months, now is a great time.
A review is:
· Obligation-free
· Straightforward
· Designed to give clarity and confidence
If you’d like to arrange a time to review your cover, we’d love to hear from you.