If you need to get your Estate Planning sorted, feel free to call us and we can help you find the right solution.
Our Services
Estate Planning
03 Aug 2018
Life Insurance
Life insurance provides a financial safety net for your family if you die. At Evergreen it's our business to ensure you're looked after at claim time. That's why we make sure you get the right amount of life cover that buys you and your family time when it really matters.
When you're deciding your level of cover, consider:
- Debts
- Ongoing education requirements for children
- A cash buffer for your partner to adjust to life without you (this takes time)
You may also want to consider leaving funds for your partner's retirement.
Income Protection
Income protection insurance gives you a steady stream of income if you're unable to work for an extended period of time.
Unlike ACC it covers non-accidental reasons for being off work, such as stress, which is the biggest cause of people needing time off work.
We can help you choose the best option for your circumstances.
Medical Insurance
According to an international survey of GPs, New Zealand has the highest proportion of patients facing long delays for elective surgery or hospital care.
Save yourself months on the public health waiting list and get yourself back to work sooner.
Medical insurance gives you quick, affordable access to hospital, surgical, specialist consultations and tests.
Mortgage Protection
Mortgage protection is a combination of many insurance products, like Life Insurance, Trauma Cover, Total and Permanent Disability Cover, and Income Protection.
You can also get standalone mortgage repayment cover, which pays your regular mortgage payments if you're unable to work because of sickness or injury. There's an initial stand down period of at least 4 weeks before the payments start.
Mortgage protection is very similar to other standard insurance policies, but because it's specifically to cover a fixed amount (the amount of your mortgage), there's less flexibility.
The price for mortgage protection insurance is usually similar to standard insurance policies. It's best to talk through your options with us to find what's best for you.
How much cover do I need?
Mortgage protection cover reflects the amount of your mortgage debt, or the monthly repayments you need to make. In short, it depends. No two situations are the same.
Trauma Cover
Trauma cover provides a lump sum of money to help you pay for expenses in the event you or a loved one has a serious accident or become critically ill.
Unlike income protection, trauma cover doesn't depend on whether you can work or not. To qualify you simply have to survive 14 days after suffering a major illness like heart attack, stroke or cancer.
This kind of insurance is also known as Living Assurance, Critical Illness Cover or Serious Care.
We can help you choose the best option for your circumstances.
Total Disablement
Total and permanent disability insurance is cover that ensures you have access to an income in the event you have a serious accident, illness, injury, or suffer from mental illness – and can no longer work.
As it's not a common claim, premiums are comparatively low.
Business Insurance
If you want your business to survive the loss of someone critical to its success – due to illness or injury – it’s important to plan for it.
We can help you tailor an insurance plan that protects financial position of your business should something unexpected happen.
Shareholder protection
Shareholder protection enables shareholders to buy out a business partner or their estate, in the event they need to sell their shares in the company due to serious illness, injury or death.
When you have shareholder protection cover, you’ll also need a buy/sell agreement. You can discuss a buy/sell agreement with your lawyer.
We can also provide Debt Protection Cover for shareholders to repay debts and other liabilities at the same time.
Key Man Cover
Key man cover allows your business to keep rolling when you lose someone that has a big impact on revenue.
Key person cover injects cash into the business to cover operational costs.
With key person cover, you need to consider the all the costs associated with your key person from operational to recruitment.
Get in touch to talk about your business insurance needs.