Tailored Insurance Solution for Every Stage of Life
Kiwiana Financial Services offers customized insurance solutions that protect not only you, but also your family and your business. With our expert guidance, we ensure your coverage fits your unique needs, offering peace of mind in every aspect of life.
Our Services For You
Life Insurance
We live in constant uncertainty about our future, still, no one ever assumes that bad things would happen to them. Life Insurance is the best way to ensure financial backup for your loved ones if the worst ends up happening to you.
We at Kiwiana Financial Services understand that with your death, your family would be experiencing massive emotional trauma. And in such a critical time financial duress could further add to their trauma, making their grief even more unbearable than it already was.
Kiwiana Financial Services provide comprehensive life insurance coverage where the beneficiaries will receive a lump-sum amount, not only in the event of death of the policyholder but also if the policyholder is diagnosed with a chronic illness or disease.
With the appropriate life insurance cover, you can make a significant difference in the lives of your family, even after your death.
Contact Kiwiana Financial Services and get a quote.
Health Insurance
Medical expenses are one of the most stressful things for an individual suffering from illness.
Choosing reliable health cover or medical insurance would help reduce this stress and offer a relaxed treatment journey. At Kiwiana Financial Services we help you and your family members by working with you to ensure that you have best insurance that’s right for you.
With our assistance, you will be able to access the best treatment without worrying about exorbitant healthcare expenses.
Getting our support for choosing the right medical insurance would help you get control of your medical treatments and improve your choice of doctors and hospitals to be treated in.
Our method to provide you with the best medical cover includes:
- An in-depth assessment of your medical insurance needs.
- Research trusted and established medical insurance providers for the best fit for you and your family.
The overall goal is to create a simple journey and to ensure that you have the right medical insurance.
Have any Questions? Call us Today: tel:+642102727017
Good health is the most precious asset we can have. We at Kiwiana Financial Services understand how grave a loss of health could be for you and your family.
This is why we extend Trauma Insurance (also known as Critical Illness Cover) that financially assists families in a time where they are experiencing grave physical and mental trauma.
The Trauma Insurance provided by Kiwiana Financial Services extends cover in the form of a lump-sum payment if the insured person develops a critical illness or injury.
We completely understands the importance of financial support in the life of a person who is suffering from a chronic illness like cancer.
We at Kiwiana Financial Services, strictly adhere to the New Zealand public health system guidelines. Therefore, we make sure that every insurance policy provided by us perfectly aligns with the medical conditions of the person being insured.
Our team conducts thorough vetting of the coverage plan, ensuring that all major illnesses and sudden accidents are covered. Your Trauma Insurance plan will provide you with financial assistance when you need it the most.
Whether the individual uses the money to receive the medical treatment they need, or to take care of their household responsibilities, it will certainly provide crucial support during a tough time.
Any individual’s life usually revolves around his or her family. Their plans and efforts are always dedicated to improving the lifestyle of your family.
However, what happens when you suffer a major accident or incident that scars you for your life? Is your family going to suffer too? Not if you have a proper Disability Insurance policy.
A Disability Insurance cover would help to protect your family and loved ones when you are physically unwell. It’s designed to help give you financial flexibility in the time when you are not able to support yourself.
At Halo Advisers, we work you find the best disability cover and make your difficult time a little less painful.
Disability Insurance is suitable for not just individuals but for business owners as well as it can cater for your business needs also.
You can use Disability Insurance in various ways, such as:
- Compensate for your spouse and any other family member when they take time off from work to support you.
- Payment for lifestyle changes like debt completion, home modification and other personal loan coverage.
- Some Disability Insurance policies cover medical travel and childcare expenses.
- Coverage on mortgage-based debts among others.
- They also cover living expenses following the reduction in income.
The Halo specialists bring you a comprehensive assessment of each policy provider so you can choose the right insurance cover to make your life financially secure in troublesome periods.
Have any Questions? Call us Today: tel:+642102727017
We tend to take good health for granted. But the possibility of grave harm always exists.
Total Permanent Disability (TPD) Insurance extends financial security to you by providing a lump-sum payment where injury from an accident or illness is grave enough to incapacitate you from working.
We at Kiwiana Financial Services understand that in a situation, where you would likely experience considerable physical pain and mental anguish, having financial certainty could mean the world for you and your family’s future.
The lump-sum payment provided by Kiwiana Financial Services would be a massive help in a time of crisis. You can use it to pay medical bills or paid care expenses, or it may just be used towards household expenses in the absence of the lost income.
Regardless of how it is used, TPD insurance will surely help you and your family during a very hard time.
Business Insurance
Key Person Protection or insurance is often known as business disability insurance. It is a very significant policy that covers your business in case you need to replace a key employee or member of your company for a substantial period due to their inability to work.
There can be various reasons for this including sickness, death or injury.
Although, not every staff member could be referred to as a key person. A key employee is someone with significant involvement within the business and has the authority to make critical decisions.
Considering small businesses, a key person could be the owner, manager or founder of the business.
One of the major aspects of a key person is that your business would suffer major trouble if they are unable to work within the firm.
What happens when you get key person protection insurance?
Well, this insurance policy would provide financial monthly support until the situation is resolved.
Not only that but the business can also ask for a lump sum in order to meet debts and pay money to the investors if the business ends up closing.
At Kiwiana Financial Services, we help to explore the various Key Person Protection options and provide you with the most appropriate policy.
We do the research to find the right insurance provider giving the benefits that are right for your business.
Have any Questions? Call us Today: tel:+642102727017
As the name suggests, Loss of Revenue Insurance is there help your business in the event of a sudden loss of revenue if a key person in your business is unable to work due to illness or injury.
With such a policy, you will be able to get a fixed monthly revenue replacement for a key person or the sole trader.
You can also use this insurance cover in a case of natural disaster. Such incidents or events do not just hamper the external infrastructure of the business but also impacts the staff.
Getting Loss of Revenue Insurance cover would help your business by providing compensation against income costs and further take care of the most important aspects of your business: the people or your staff.
The income-related loss during a major slowdown can be recovered in the form of financial support for rebuilding the business or in case of permanent closure.
At Kiwiana Financial Services, we help you determine the right insurance for your business needs. We research the best policy options and help you keep your business thriving in the most unexpected circumstances.
Is your business equipped with a contingency plan if your business’s co-owner or main investor becomes insolvent?
No? Then you certainly need Shareholder Protection Insurance.
Your business’s future and the value of your shares in such a case would depend on your ability to cope with the situation.
With Shareholder Protection insurance, you will be able to maintain the value of your shares and also keep control of your business.
The Shareholder Protection cover would give you various benefits including,
- The cover would buy out the shares of the insolvent shareholder. This means that the owner (or the investor) would have a certain amount to survive on during their problematic times.
- This insurance also provides the opportunity to buy shares from the previous owner. You will be able to get their original value back without worrying about selling any of your assets.
- With shareholder insurance, you will get absolute control over the business and can protect it from disruption by incompetent members of the owner’s family.
- You can protect your business from complete closure due to ill-health or the death of the co-owner.
Don’t let your business struggle due to the challenging circumstances of one of the shareholders.
Other Personal Insurance
WHAT IS KIWI SAVER?
KiwiSaver is a voluntary savings scheme that can help you save for your retirement. In some situations, you may be able to use part of your KiwiSaver funds to help you buy your first home. If you’re enrolled in KiwiSaver, you grow your savings by making contributions to your KiwiSaver.
If you’re a salary or wage earner, your employer will also contribute to your KiwiSaver (unless they’re already contributing to another superannuation fund for their employees). Depending on how much you’ve contributed to your KiwiSaver, the government may contribute as well.
HOW ARE CONTRIBUTIONS MADE?
For many people, KiwiSaver will be work-based. This means you’ll receive information about KiwiSaver from your employer, and your KiwiSaver contributions will come straight out of your pay.
If you choose to join, contributions are deducted from your pay at the rate of either 3%, 4%, 6%, 8% or 10% (you choose the rate) and invested for you in a KiwiSaver scheme.
If you’re self-employed or not working, you agree with your KiwiSaver provider how much you want to contribute, and make payments directly to them.
BENEFITS YOU WILL RECEIVE BY JOINING KIWISAVER:
3% contribution from your employer
If you’re contributing to a KiwiSaver scheme from your salary or wages, your employer is required to put in a minimum of 3% of your before tax pay* (less employer superannuation contribution tax) if you’re 18 or over. As an employee paying PAYE, you’ll need to contribute at least 3% for at least the first 12 months of membership.
Government Contributions of up to $521.43 every year
For every $1 you put into your KiwiSaver account from 1 July to the following 30 June, the Government will put in 50 cents up to a maximum of $521.43 per year if you’re 18 or over. To get the maximum amount you’ll need to contribute $1,042.86.
This is called a Government Contribution. When you join for the first time, Government Contributions will be paid based on the number of days you have been a member in that year.
Did you know: Every year, thousands of KiwiSaver members miss out on the Government Contribution?
When Can You Use Your Funds?
Your Kiwi Saver savings will generally be locked in until:
- you’re eligible for NZ Super (currently 65)
- you’ve been a member for at least 5 years (if you joined over the age of 60)
You may be able to make an early withdrawal of part (or all) of your savings if you are:
- buying your first home
- moving overseas permanently
- suffering significant financial hardship
- seriously ill
COMING SOON!
At Kiwiana Financial Services Ltd, we are committed to providing you with comprehensive insurance solutions that meet your needs.
And with our travel insurance product you can explore the world with confidence, knowing that you are protected in case of unexpected events.
Our travel insurance policy covers a wide range of risks, including:
- Trip cancellation and interruption
- Emergency medical expenses
- Lost luggage and personal belongings
- Travel delays
- Accidental death and dismemberment
We also offer a variety of optional coverages, such as:
- Rental car damage protection
- Adventure sports coverage
- Cruise insurance
So, whether you are planning a weekend getaway or a month-long vacation or multiple trips in a year, we have a travel insurance policy that is right for you.
Got a question on your next travel?
Frequently Asked Questions
👉 How do I know which insurance is right for me?
We will help you assess your needs and recommend the best coverage. Whether it’s protecting your home or securing your health, we’re here to guide you.
👉 Can I change my insurance plan after signing up?
Yes! We offer flexibility to adjust your plan as your needs change. Simply reach out to Anu, and she’ll make sure you’re covered.
👉 What is the difference between health insurance and ACC?
ACC covers accidents and injuries, but it doesn’t provide coverage for non-accident-related health issues such as illnesses, surgeries, or doctor visits. Health insurance ensures you’re covered for a broader range of medical treatments, giving you peace of mind beyond accidents.
👉 How often should I review my insurance coverage?
It’s a good idea to review your insurance annually or after any major life changes such as getting married, buying a home, or having children. At Kiwiana Financial Services, we’re always available to help you update your policies as your needs evolve.
👉 What makes Kiwiana Financial Services different?
With 7 years of experience, we offer personalized, local support with a friendly touch. Anu works closely with each client to ensure they understand their options and feel secure.
👉 Can I get car insurance if I have a bad driving record?
Yes! While having a poor driving record may affect the cost of your car insurance, we can work with you to find a plan that meets your needs. We’re here to help you secure coverage, regardless of your history.
👉 How do claims work?
Filing a claim with Kiwiana is simple and stress-free. Contact us, and we’ll walk you through the process, providing support every step of the way.
