Personal Insurance

The Adelphi Insurance Brokers four-step Personal Protection Plan is designed to help you put in place the ideal level of personal insurance to take care of your family when you can’t and give you the confidence to live the life you want to live – knowing you’ve made plans to secure your family’s future.

Your key assets are more than just your material possessions such as a house, car or business. They also include your quality of life, ability to earn an income and provide security and financial independence. If your earning potential was interrupted due to death, disability or a medical condition, these are some of the major costs you could face.

Health Insurance

It’s hard to predict what health problems you may experience in the future. Unfortunately not all treatments or costs will be covered by the public health system, and the public health system may not give you control over the timing or quality of the care you receive. For those without health insurance, surgery waiting lists are a fact of life. If you wanted to hurry things along, the only option would be to pay for private treatment yourself, which for most people is unaffordable given that some health insurance claims are now reaching into the hundreds of thousands of dollars.

Having the right Health Insurance Plan that is future-proofed is vital to ensure you and your family have access to the latest medical surgical and non-surgical procedures. Many older policies don’t cover the new and enhanced ways of treating medical conditions such as cancer, and many have little or no cover for Pharmaceutical drugs not covered by Pharmac.

Having health insurance gives you the peace of mind of knowing we can gain immediate access to hospitalisation when and where we need it while having the often significant costs involved covered.

An Adelphi Adviser can sit down with you, and your partner, in the comfort of your home, and develop your family’s Personalised Protection Plan to determine the ideal Health Insurance cover you need for your family’s unique circumstances and needs.

Life Insurance

Every day you face a wide range of risks to your personal wellbeing and lifestyle, but if you were to die early, what would be the impact on your loved ones? The truth is, it’s always a struggle when you lose someone you love, but the emotional struggles don’t need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you’re not there to care for them yourself.

Life insurance payment provides a tax-free lump sum payment on your death or if you are diagnosed as being terminally ill, which can help your family continue to live the life you’ve planned together.

The ideal situation is to leave your family in a position as if you were still here financially.

An Adelphi Adviser can sit down with you and your partner, in the comfort of your home, and develop your family’s Personalised Protection Plan to determine the ideal level of Life cover you need for your family’s unique circumstances and needs.

Income Replacement

Your ability to work and earn an income is probably your greatest asset. A regular income helps you and your family build your assets, educate your children, enjoy the lifestyle you want and do the things you love.

The financial consequences of an injury, disability, illness or extended time off work could be devastating for your lifestyle and those that depend on you. Recovering from an illness or accident is difficult enough without the extra stress of financial worries. Just because your health suffers a setback, your finances and lifestyle shouldn’t have to.

A key element in any wealth creation strategy is having a well-structured Income Replacement strategy in place. It is after all your income that pays your mortgage repayments and funds any borrowing as you build your asset portfolio.


There are many ways to protect your income, including monthly benefits such as Income Protection and Mortgage Repayment policies through to tax-free lump sum payouts through a mix of Trauma and Permanent Disability policies. When it comes to Income replacement, it is not a one size fits all.

An Adelphi Adviser can sit down with you and your partner, in the comfort of your home, and develop your family’s Personalised Protection Plan to determine the ideal level of Income Replacement cover you need for your family’s unique circumstances and needs.

Protecting your Home

Your family home is simply too valuable an asset to put at risk. Just because your health suffers a setback, your dreams of owning your own home shouldn’t have to. When illness and injury leave you unable to work, a well structured Mortgage Protection Package can protect your family from the financial consequences of not being able to meet your mortgage repayments.

A Mortgage Protection Package provides a financial safety net should you be disabled as a result of sickness or injury, and be unable to meet your mortgage repayments, or in a worst-case scenario, a key income-earning were to die. Like an Income Replacement Package, a mixture of a monthly benefit to carry you through short term incapacitation and a lump sum to clear to the mortgage in the worst-case scenario.

An Adelphi Adviser can sit down with you and your partner, in the comfort of your home, and develop your family’s Personalised Protection Plan to determine the ideal level of Mortgage Protection cover you need for your family’s unique circumstances and needs.

Permanent Disability

While for most people the early death of an income earner would cause serious financial strain for those left behind, the financial impact would be just as serious if that income-earner became totally and permanently disabled and unable to work for the rest of their life.

An illness can erode your health either gradually or quickly until you’re unable to work, or a serious accident could leave you totally and permanently disabled. Total and Permanent Disability (TPD) cover helps you modify your lifestyle and gives you choice and options if you’re left permanently without the ability to work.

It’s easy to take good health for granted. But the reality is, sometimes we become ill or have an accident and, if it’s serious, we might be unable to work ever again. TPD insurance pays a tax-free lump sum if you are permanently disabled and you’re unlikely to ever work again.

An Adelphi Adviser can sit down with you and your partner, in the comfort of your home, and develop your family’s Personalised Protection Plan to determine the ideal level of Total and Permanent Disability cover you need for your family’s unique circumstances and needs.

Trauma/Serious Illness

Ongoing advances in medical treatment mean New Zealanders have a greater chance of surviving a serious illness than ever before but it may take 6/12/24 months to recover so there is a greater need for financial support.

Serious Illness, also known as Trauma insurance, pays you a tax-free lump sum if you have a serious medical condition specified in your policy (typical covered conditions listed below).


The diagnosis of a trauma event is devastating in any circumstances, but the burden will be far greater if your financial security is also put at risk. Trauma insurance takes the pressure off, so you can spend your time focusing on recovering – not worrying about your finances!


Cancer Only Cover
There is also specialised Cancer Only Cover for people who don’t qualify for full Trauma Cover but want cover for a cancer event. This policy helps if you attack cancer, even in the early stages. Cancer Cover pays you a lump sum of money if you experience any early-stage cancer or meet the claim criteria for more severe cancers. This cover is designed to help people recover physically and financially from cancer.


An Adelphi Adviser can sit down with you and your partner, in the comfort of your home, and develop your family’s Personalised Protection Plan to determine the ideal level of Trauma Insurance cover you need for your family’s unique circumstances and needs.

Find out how we can give you a Personalised Protection Plan

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