Personal Insurance
Protect the life you have built – and the people who depend on youInsurance is not about expecting the worst. It is about making sure an illness, injury or death does not undo the financial progress your family has worked hard to make.
Cover that starts with your life, not a product
It can be difficult to know how much cover is enough, which types matter most or whether an existing policy still fits. The cheapest premium is not always the best value, and more cover is not automatically better. Sureplan looks at your complete financial situation and recommends practical protection that reflects your priorities and budget.Review the whole picture
Look at existing cover alongside savings, investments and your wider financial plan.Find the right balance
Choose practical protection that fits your priorities and budget – not simply the cheapest premium or the most cover.
Your plan may consider
Life insurance to support the people you leave behind
Trauma cover for the financial impact of a serious diagnosis
Income or mortgage protection if illness or injury stops you working
Health insurance to improve access to eligible private treatment
The cover you already have through work, ACC or existing policies
What you can responsibly look to cover for yourself
Clear advice now. Ongoing support as life changes.
We explain the important details – including premiums, waiting periods, benefit periods, exclusions and policy definitions – in plain language. We can help with applications and keep your cover under review as your income, family, mortgage and goals change.The result is not insurance for insurance’s sake. It is a safety net designed to protect your choices, your people and your long-term plan.
At your side when it matters most
Claim time is when good advice matters most. We work alongside you to navigate the paperwork, policy conditions and insurer requirements. We help you provide the information needed, follow up on progress and work towards having an accepted claim paid as smoothly as possible.
FAQ
Answers to common questions about personal insurance.- The right combination of life, trauma, income protection and health insurance depends on the financial impact that death, serious illness or time away from work could have on you and your family. We consider your income, debts, dependants, existing cover, savings and wider financial plan, then help you prioritise the protection you need.We begin by identifying the income, debts and ongoing costs your household would need to manage if you died, became seriously ill or could not work. Life cover can provide a lump sum, trauma cover can respond to specified serious conditions, income protection can replace part of lost earnings, and health insurance can improve access to eligible private treatment. We also consider existing workplace benefits, ACC, savings and assets. Where appropriate, mortgage, investment and estate-planning strategies may reduce the amount of insurance required, helping you build practical protection without paying for cover that does not serve a clear purpose within your broader financial plan and budget.
- You need enough cover to protect the people and financial commitments that matter without paying for unnecessary insurance. We assess your needs, budget, existing resources and ability to self-insure, then explain the recommended cover, policy definitions and important exclusions.The amount is based on the financial gap a claim would need to fill, not an arbitrary figure. We consider debts, replacement income, household expenses, dependants, savings, workplace benefits and the period support may be required. We also explain waiting periods, benefit periods, definitions, exclusions and how premiums may change over time. This helps you understand what each policy is intended to cover, what it may not cover and why the recommended amount fits your priorities and budget.
- ACC and workplace insurance may provide all the protection you need, but the cover may be limited, exclude certain circumstances or end when you change jobs. We review your existing benefits and ACC arrangements, identify any important gaps and recommend additional cover only when appropriate.ACC generally responds to qualifying accident-related injuries, while workplace benefits may include life, health or income-related cover. The extent and duration of that protection vary, and some benefits may stop when your employment changes. Illnesses unrelated to an accident may also require different cover, depending on your arrangements. If you are self-employed, your ACC and income-protection options may differ from those available to employees. We review the benefits already in place, how long they could support you and where gaps remain before deciding whether personal insurance would add useful protection.