Personal, Small Business or Rural Risk plans

A personal or small business Insurance plan provides peace of mind in case of an unforeseen event. It provides a financial benefit in the event of serious injury, illness or death.

Some things to think about when considering the different types of Risk Covers are:

  • Have you got any debt?
  • Who is the main income earner?
  • Do you have children to consider if you were unable to work or passed away? 
  • If you were disabled, how much would it cost to alter your home to accommodate?
  • What are your retirement plans, would these be affected?
  • How do you want to conduct your funeral, how much would it cost?
  • What if you found out you had cancer? do you have enough funds for treatment?


For an obligation free discussion call 021 575 055 or email me on Annette@abinsuranceadvice.co.nz

Disability Cover

Total & Permanent Disability covers sickness or injury if a person is unable to work in their own or any occupation for which they are suited by training, education, or experience.

Trauma Cover & Health Insurance

Trauma Insurance provides a lump sum benefit in the event you are diagnosed with a serious medical condition such as cancer, heart attack or stroke.

Health Insurance covers the costs for specialists, tests and surgical cover in a private hospital.

Rural, Keyperson, Shareholder or Income protection

Income Protection Insurance is an insurance to replace your income on a monthly basis if you are unable to work due to illness or accident.

Mortgage Protection

Mortgage protection insurance is an insurance policy designed to pay off your mortgage on a monthly basis in the event you are unable to work due to illness or injury. We can calculate enough funds to repay the loan repayments, rates and Insurances monthly.

Life Insurance

Life Insurance is a
lump sum benefit that pays out to the surviving family, funds to cover such things as remaining mortgage and
funeral costs.

This provides your family or spouse peace of mind knowing they can move on financially after loosing a loved one.