We have two business products designed to meet the needs of any small to medium sized business in New Zealand – Business Assurance and Business Extra

Business Assurance

Business Assurance is our master policy providing traditional life, complete disablement, trauma, income replacement and business overheads/locum options for your business. You can tailor it to suit any business in New Zealand.

Business Assurance offers a range of benefits that will provide your business with a necessary cash injection to pay off debt, provide cash for buy/sell obligations, or cover business expenses should a key person or shareholder pass away or suffer an illness or injury.

Business Assurance Benefits:

Life Cover – a lump-sum payment in the event of death.

Trauma Cover – a lump-sum payment in the event of a serious illness or accident.

Complete Disablement Cover – a lump-sum payment if the insured person becomes totally and permanently disabled.

Business Overheads Cover – a monthly payment to meet the overheads of the business if the insured person is unable to work because of a total disability.

Self-employed Income Cover – a monthly payment if the insured person is unable to work because of a total disability.

(For each benefit listed special terms and conditions apply).

Business Extra

Business Extra is our unique and flagship business product designed to provide flexibility to meet the needs of most small businesses in New Zealand. It provides comprehensive cover based on the expected financial impact on a business over time if a key person is unable to come to work.

All contingencies are conveniently covered in one policy, as different monthly sums assured can be selected, with lump sums payable on long-term disability, trauma and death. This means that you can select the level of your benefit to cover a range of scenarios, without the need for multiple benefits.