Insure Otago provides trusted advice on personal insurance throughout the Otago region
Choosing the right personal insurance is an important step in protecting your future — and it can be easier than you think. The right cover helps support your lifestyle, your loved ones, and your financial goals. For example, if you have a home loan, mortgage protection insurance offers peace of mind that your repayments are covered. Income protection can add extra reassurance by helping maintain your income if you’re unable to work for a while. Life insurance provides security for your family, and there are also options to support you through serious illness or permanent disability.
With the right advice, you can build a personal insurance plan that gives you confidence, no matter what life brings. Get in touch today to explore your options and find cover that fits you.
Personal insurance is about protecting your inner circle, ensuring that you and your family are financially secure should the unexpected happen
- Ensure the financial stability of your family should you pass away or be permanently disabled
- Protection for your income in the case of unexpected illness or injury, over and above what ACC may cover
- Repayment of part or all of your mortgage should you be unable to do so through redundancy, illness, disablement, or death
While it can be daunting to think about, Insure Otago can help you get personal insurance in place, so there is one less thing to worry about during difficult times
What happens to all the bills, mortgage payments, school fees, etc if you pass away? Life insurance provides the financial security needed for your family in the event of your death or diagnosis with a terminal illness that is likely to result in you having less than 12 months to live. It involves a lump sum being paid to either your estate (or you, for a terminal illness diagnosis), and can cover funeral costs too.
While most of us are fit and healthy, experiencing a major trauma like a serious injury or illness is more common than most of us like to think, and dealing with it can often come with a significant financial burden. Trauma insurance pays a lump sum to help you and your family get through the financial impacts from such an event, and focus on treatment and recovery.
It may be uncomfortable to think about, but if you experienced an illness or injury that left you unable to ever work again, how would your family manage financially? While in some cases ACC may provide some relief, a total permanent disability insurance policy provides a lump sum that you can choose how to spend, and can help significantly lift the financial burden from this unfortunate event.
Frequently a requirement of getting a home loan, mortgage protection insurance is there to ensure that if you’re unable to work through illness or injury, you can still pay your mortgage. It can be set up to pay off your mortgage in part or in full, and often is part of a package with life insurance too. Depending on the cover you select, it may also be possible to get cover for redundancy in some situations.
Insure Otago helps individuals and families in Otago access faster, better healthcare through personalised health insurance strategies. Whether you're looking for cover for surgery, everyday medical visits, or extras like dental and optical, our advisor provides independent guidance to help you choose the right policy with confidence.