{"id":151,"date":"2021-07-15T01:04:26","date_gmt":"2021-07-15T01:04:26","guid":{"rendered":"https:\/\/www.canopygroup.co.nz\/?page_id=151"},"modified":"2022-03-17T03:33:52","modified_gmt":"2022-03-17T03:33:52","slug":"insurance","status":"publish","type":"page","link":"https:\/\/www.canopygroup.co.nz\/insurance\/","title":{"rendered":"Insurance"},"content":{"rendered":"\n<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.canopygroup.co.nz\/wp-content\/uploads\/2021\/11\/Insurance_Page_Circle-300x300.png\" alt=\"Insurance_Page_Circle\" itemprop=\"image\" height=\"300\" width=\"300\" title=\"Insurance_Page_Circle\" onerror=\"this.style.display='none'\">\n<h1>\n\t\tInsurance Advisors\n\t<\/h1>\n<h2>\n\t\tWhat are the types of insurance available?\n\t<\/h2>\n<h3>\n\t\tPersonal \/ Family Insurance\n\t<\/h3>\n\t<p><b data-stringify-type=\"bold\">Life Insurance<\/b><\/p>\n<ul>\n<li>This is the big kahuna. The lump sum payment that is paid out to those left behind if you die or you have been diagnosed with a terminal illness with less than 12 months to live.<\/li>\n<li>It is arguably the most important personal insurance option, especially if you have others who rely on you for financial support.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b data-stringify-type=\"bold\">Income\/Mortgage Protection Insurance<\/b><\/p>\n<ul>\n<li>This is the one that helps with money if you can&#8217;t work.<\/li>\n<li>It helps you to maintain your current lifestyle if you are unable to work due to illness or injury.<\/li>\n<li>This insurance pays a monthly sum to you, based upon your income, mortgage repayments and\/or household expenses.<br>\nThis monthly payment continues until you either return to work or reach the end of your chosen payment period.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b data-stringify-type=\"bold\">Health Insurance<\/b><\/p>\n<ul>\n<li>This is the one that helps you pay for the best medical care.<\/li>\n<li>It allows you to use private medical facilities to skip public hospital waiting lists, get treatment and return to full health as quickly as possible.<\/li>\n<li>There are lots of different options here depending on your budget and needs.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b data-stringify-type=\"bold\">Trauma\/Critical Illness Insurance<\/b><\/p>\n<ul>\n<li>This is the one where you get a lump sum payment if you&#8217;re diagnosed with a serious illness.<\/li>\n<li>It covers many specific medical conditions. The main ones are cancer, heart issues and stroke.<\/li>\n<li>Payments can be used for anything you choose. This may be additional medical costs, reducing your debt, covering your income for a bit or even a holiday to recuperate!<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b data-stringify-type=\"bold\">Total &amp; Permanent Disability (TPD)<\/b><\/p>\n<ul>\n<li>This is the one where you get a lump sum payment if you become &#8216;totally and permanently&#8217; disabled and can no longer work.<\/li>\n<li>It is a relatively low-cost insurance for the very worst-case scenarios.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>\n\t\tBusiness Insurance\n\t<\/h3>\n\t<p><b data-stringify-type=\"bold\">Shareholder Protection<\/b><\/p>\n<ul>\n<li>This one is in case a shareholder in your business dies, becomes critically ill or disabled.<\/li>\n<li>It provides cash for the surviving shareholder to buy the shares of the deceased or disabled shareholder.<\/li>\n<li>This avoids estates becoming involved in business decision-making &#8211; which can get a bit complicated.<\/li>\n<li>The payment can also be useful for the bereaved family.<\/li>\n<li>A &#8216;Shareholder Protection Plan&#8217; usually consists of a combination of Life insurance and TPD insurance, that we tailor to your business.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b data-stringify-type=\"bold\">Key Person Cover<\/b><\/p>\n<ul>\n<li>This one provides a lump sum or monthly payment to help overcome any operational or financial disruption if an important person can&#8217;t work due to death, injury or illness.<\/li>\n<li>It can make all the difference to a business surviving an awful situation.<\/li>\n<li>A &#8216;Key Person Protection Plan&#8217; usually consists of a combination of Life insurance, TPD insurance, Business Continuity insurance and possibly Trauma insurance, that we specifically tailor to your business.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b data-stringify-type=\"bold\">Business Loan Protection<\/b><\/p>\n<ul>\n<li>This is the one that honours personal guarantees and repays debt if one of your business owners dies or can no longer work.<\/li>\n<li>A &#8216;Business Loan Protection Plan&#8217; usually consists of Life insurance and TPD insurance that we specifically tailor to your business.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b data-stringify-type=\"bold\">Start Up Income Protection<\/b><\/p>\n<ul>\n<li>This is the one designed for business owners who have been trading for three years or less.<\/li>\n<li>It gives you confidence while your business gets off the ground, and supports new business owners with monthly payments of an amount agreed when you take out your policy.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b data-stringify-type=\"bold\">Workplace Insurance Scheme<\/b><\/p>\n<ul>\n<li>This is the one designed for businesses who want to offer some form of insurance to its employees.<\/li>\n<li>This could be Health Insurance, Life insurance, Income Protection insurance or Trauma cover, specially tailored to your business and its people.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Insurance Advisors What are the types of insurance available? Personal \/ Family Insurance Life Insurance This is the big kahuna. The lump sum payment that is paid out to those left behind if you die or you have been diagnosed with a terminal illness with less than 12 months to live. It is arguably the&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Advisor Auckland | Tauranga | Personal and Business Insurance<\/title>\n<meta name=\"description\" content=\"Canopy Group specialises in providing clients with tailored personal and business insurance solutions. 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