Insurance advice that fits your life, not a generic template
No two families are the same, and no two businesses are either. The right insurance cover depends on your income, your commitments, your health, and what you'd need if things went sideways.
We take the time to understand all of that before we recommend anything.
What we can help you with
From protecting your family to safeguarding your business, here's what EFS advisers can help you with. Every recommendation is independent, we work across multiple insurers to find what's right for you.
Life Insurance
If you die unexpectedly, life insurance makes sure the people who depend on you aren't left dealing with debt on top of grief.
It pays a lump sum to your family or estate, giving them financial breathing room when they need it most.
The right amount depends on your mortgage, your income, and who relies on you, we'll help you work that out.
Trauma Insurance
A cancer diagnosis, heart attack, or stroke doesn't just affect your health. It affects your income, your family, and your plans.
Trauma insurance pays a tax-free lump sum on diagnosis of a serious condition, giving you the financial flexibility to focus on recovery rather than bills.
In New Zealand, 1 in 3 people will be diagnosed with cancer at some point in their lives.
Income Protection
ACC covers accidents, but not illness,and illness is statistically far more likely to keep you off work.
Income protection replaces a portion of your income if you're unable to work due to sickness or injury, covering your mortgage, bills, and everyday costs while you recover.
For self-employed Kiwis especially, it's one of the most important covers to have in place.
Health Insurance
The public health system is under pressure, and waiting lists for specialist care and elective procedures are long.
Health insurance means you can access private treatment when you need it, rather than when the system gets around to you.
Getting cover in place while you're healthy also means fewer exclusions down the track.
Business Owner Insurance
If you're a business owner or key person in your company, your ability to work is the business's most valuable asset.
Business owner insurance, including key person cover and shareholder protection, makes sure that if something happens to you, the business can keep running and your partners aren't left in an impossible position.
Mortgage Protection
Your mortgage doesn't stop if you can't work.
Mortgage protection cover makes sure your repayments are covered if illness or injury takes you out of the picture, so you're not at risk of losing your home while you're already dealing with a health crisis.
It can be structured to cover up to a set percentage of your monthly repayments.
We can also help with
Every family and business is different, that's why we're all about customised advice that's tailored just for you.
Wills & Estate PlanningSimple, affordable wills through SimpleWills or Footprint, we'll point you in the right direction.
