Tailored Solutions
At CJFS, we understand that every individual and family has unique insurance needs. Our tailored solutions are designed to provide personalized coverage that fits your specific circumstances. Whether you’re looking for life insurance, income protection, health coverage, or mortgage protection, we take the time to understand your goals and recommend the best options. Our expert advisers work closely with you to ensure you get the right protection, giving you peace of mind for the future. Let us craft a plan that’s as unique as you are.
Life Insurance
Life insurance provides a lump sum payment to your beneficiaries in the event of your death. This payment helps cover financial obligations, such as funeral costs, debts, and ongoing living expenses, offering your family financial security in your absence.
Health Insurance
Health insurance covers the cost of medical treatment, including hospital stays, surgeries, and specialist appointments. It helps reduce out-of-pocket expenses, giving you faster access to medical care and easing the financial burden of healthcare costs.
Trauma Cover
Trauma insurance offers a lump sum payment if you're diagnosed with a critical illness or injury, such as cancer, heart attack, or stroke. This payment helps cover medical expenses, rehabilitation, and lifestyle changes while you focus on recovery.
Total Permanent Disability (TPD)
TPD insurance provides a lump sum payment if you're permanently unable to work due to illness or injury. This coverage helps support your financial needs, including medical care, rehabilitation, and living expenses, when you can no longer earn an income.
Income Protection
Provides a monthly payment to replace a portion of your income if you have an illness or injury and are unable to work. You have three options to choose from in this category: Agreed Value, Indemnity or Loss of Earnings.
Mortgage Protection
In New Zealand, if you're unable to work due to injury, ACC provides payments. Income protection policies typically "offset" these ACC payments, reducing claim payouts. However, mortgage repayment cover does not offset ACC, allowing you to receive both ACC and your full mortgage repayment lump sum.
QUESTIONS?
When to review your insurance cover? As your life changes, your insurance needs can change too.
This is especially important if you’re celebrating a milestone – for example a career move, house move, a change in your relationship status, adding to your family, or increasing or decreasing your debt.
