Life insurance, we have you covered

Protection for your loved ones

Life insurance protects you and your family against insurable unforeseen circumstances. It’s an important thing we all have to consider and at Hurford Parker, we are by your side to ensure your cover is designed for you and your unique requirements. We have a range of insurances available and once in place, it gives you the confidence to live life your way.

Insurance customised for your life

Talk to our experts to structure cover that will ensure you have the insurance required to protect you and your lifestyle. Our friendly brokers will discuss your family, way of life, how you earn your income and general circumstances. Understanding the risks that could impact your life allows us to tailor the right insurance package for you. Give us a call to get started.

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Have a particular personal insurance need?

Income & Disability Insurance

Your ability to earn an income is likely to be your largest asset. What would you do if couldn’t earn an income? How would you afford the cost of living such as your mortgage, rent, bills, and general lifestyle expenses?

Income Protection Insurance

If you multiply your current earnings by the number of working years you have left and make an allowance for inflation and pay increases, it’s likely that figure is many times the value of any other assets you have. That’s why it pays to protect this asset. In the event of an accident, you might be covered by ACC but only if it’s an injury caused by an accident. If you can’t work due to illness rather than accident it’s likely you will become dependent on your savings and finally social welfare. Protecting your income protects your lifestyle.

In most cases of serious illness (e.g. cancer) there is a requirement for long term treatment and recovery, which could leave you unable to work for years. What if your condition was so severe you could never work again? Income protection provides you and your family with a monthly income while you focus on recovery. If you can never work again, Income Protection can pay you a monthly benefit including inflation until you are 70 years old. Talk to us about Income Protection to suit your unique personal circumstances.

Total and Permanent Disability

This is a lump sum payment in the event that you are totally and permanently disabled and unlikely to ever be able to follow a career again for which you are reasonably suited by training or experience. Total and Permanent Disability or TPD, is typically used to follow on from an initial income protection claim and provide you with sufficient funds to meet the costs that may result from your disability. This can include repaying all debt, providing funds for home modifications and covering specialist care or equipment.

Medical & Health Insurance

Medical Insurance will help give you access to the very best medical care at a time that suits you, and in the hospital of your choice. New Zealand has a good public health system, in the event of an emergency you move straight into the system without delay. However, if your condition is not immediately life threatening you are likely to find yourself on a long waiting list for treatment. Waiting lists are a fact of life and as pressures on the health system grow they are unlikely to ever get smaller.

Coverage Options

A variety of different coverage levels are available to suit every budget and personal requirements. A standard policy provides cover for private surgery, hospitalisation, non-Pharmac funded cancer drugs, major diagnostic testing and minor GP surgery. Additional options are available to add cover for Additional Specialist and Tests not related to surgery; GP appointments; Dental and Optical; and prescriptions. We access and utilise a variety of insurance providers including AIA, NIB, Partners Life and Southern Cross.

The above descriptions are a general guide only. For a full description of what a policy covers please refer to the agreed wording, or the insurer’s own wording. If you wish to have a copy of the wording please contact us. If you have a specific insurance cover requirement that is not listed, please contact us.

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