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There are many risks you face during your lifetime, but the most serious ones you will face are death, disability, serious illness and/or medical intervention (surgery). These can happen at any time, and when it does, it can be a difficult and traumatic time for everyone. The last thing you want to worry about is money.

Health Insurance

When you get sick are you prepared to join the public hospital waiting list or could you afford to pay for private treatment?

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Life Insurance

Though not a pleasant thought, it’s important to think about this: when you die, how will those left behind manage financially?

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Protecting your income

If you had an accident or became ill, and were unable to work, would you still have the income you and your family need?

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Protecting your mortgage 

If you had an accident or became ill, and were unable to work, would you still be able to meet mortgage repayments?

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Permanent Disability

How would your family or your business cope if you were permanently disabled? Do you have a plan to provide for them?

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Trauma/Serious Illness

How would you and your family cope if you a serious accident or suffered a serious illness such as cancer, heart attack or a stroke?

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When you own a business, part of your risk management strategy is looking at the hard “what if” scenarios.

Protecting your Key People

If you or a key person in your business were to be suddenly taken ill or has a serious accident, what financial impact would that have one your business?

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Protecting the Shareholders

Have you protected the interests and investment of the stakeholders in your business against a worst-case scenario?

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Protecting against any Business Debt

If you have you signed any personal guarantees for any business debt or business loans loan, and have you protected your assets should a worst-case scenario happen?

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Keeping the Business Running

If you were suddenly taken ill or had a serious accident, and were unable to work would your business expenses such as the lease, electricity and salaries still need to be paid?

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Farmers have a unique work environment and, therefore, need a unique form of insurance. As a farmer, you know how unpredictable life can be, and it’s not just the elements you have to worry about

Keeping the Farm Running

If you were unable to take care of the farm due to illness or injury, will the financial needs of you and your farm be met?

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Planning for the Future

Farms are often a generational legacy where the parents build up a generational asset through the ‘family farm’. In many cases, some or all of the children grow up and work on the farm with the view of taking over or inheriting the farm when the parents retire or pass away

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KiwiSaver was set up to help New Zealanders for their retirement. It is a long-term investment saving account, designed to give your money time to grow. It can also assist with the purchase of a first home. Whether you are saving for retirement or planning to purchase your first home, it’s critical that the KiwiSaver Fund you have chosen is working for you.

Planning for your retirement?

KiwiSaver is an excellent vehicle to help you to prepare, financially, for retirement. Given that you could live 20 to 30 years of your life in retirement, it’s important that you choose the right KiwiSaver fund for your circumstances and risk profile.

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Planning for your First Home

If you’re a KiwiSaver member, buying your first home could be made easier by being able to access two KiwiSaver initiatives, the ‘first-home withdrawal’ and/or the Government-funded ‘the first-home grant’.

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