We realise insurance is not an exciting subject and for most people it is the last thing you wish to think about. But ensuring you have the right cover is extremely important. It means that you and your loved ones are protected should the worst occur.
We recognise that everybody is different - what may be important to you, may be completely different for someone else.
Let Kapiti Mortgages & Insurance take the hassle out of arranging insurance. We will take the time to listen to what is important to you and tailor a package to suit both your budget and your needs.
We can assist with the following insurance covers:
This cover provides a lump sum in the event of terminal illness or death - to ensure that your loved ones are well cared for when you are gone.
Mortgage Repayment Insurance
How will you cover your mortgage payments if you are sick and cannot work? This insurance is designed to assist with meeting your loan repayments in the event that you are unable to work – due to sickness or accident. Having a home loan is a big commitment and this will give you peace of mind that you do not have to sell your family home should the unforeseen arise.
Often people think of insuring themselves should they die. But what if you are diagnosed with a serious condition such as cancer? Trauma Insurance provides a lump sum payment on diagnosis of specified traumatic conditions, and you can use the money for whatever you choose – it might be to cover your medical costs, pay off your loan or renovate the house. Best of all it allows you to focus on getting better, without the financial burden that often occurs during times like these.
Total & Permanent Disablement Cover
This cover provides a lump sum in the event you are totally and permanently disabled and can never return to work. Wouldn't it be nice to know that you can repay your mortgage, adapt your home if this was to happen?
Income Protection Insurance
Ask most people what their biggest asset is and most will tell you their house! In fact your ability to earn is probably your most important asset and this is often overlooked. Income Protection Insurance provides ongoing income should you become sick and unable to work.
The NZ health system is overloaded and you may be forced to wait for months on a waiting list. With Medical insurance you have the security of knowing you have access to quality treatment without the wait. This means you can focus on getting better and progress back into your normal lifestyle faster.
Servicing the Greater Wellington Region…Plus More
Kapiti Mortgages and Insurance is based in Paraparaumu, on the Kapiti Coast. We service and support clients throughout the greater Wellington region including Paraparaumu, Kapiti Coast, Wellington city, Porirua, Lower Hutt, Upper Hutt and the Horowhenua region. We also service clients around the rest of NZ and worldwide by e-mail and phone.