Insurance products are created and supplied by insurance companies to protect individuals, families and business from loss, primarily loss of income of an existing asset – due to some traumatic event either short term or of a permanent nature.Insurance products are available direct from suppliers, through banks, online or from specialist insurance advisers.FSB4 Financial are specialist insurance advisers.FSB4 Financials Points of difference.
- We do not act as the representative of an insurance company.
- We use many companies and company products.
- We research product recommendations through an independent source.
- We determine levels of cover and premium affordability through mutual agreement.
- We recommend in writing.
Types of Insurance
Life InsuranceDid you know… New Zealanders claimed more than 482 million dollars in life insurance between July 2009 and June 2010. |
Trauma InsuranceDid you know… New Zealanders claimed more than 107 million dollars in trauma and TPD (total and permanent disablement) payments between July 2009 and June 2010. |
TPD (Total and Permanent Disablement) InsuranceWhy you need it? A lump sum payment if you suffer a permanent long term disability. |
Income ProtectionDid you know… New Zealanders claimed more than 84 million dollars in income protection between July 2009 and June 2010. |
Medical InsuranceNew Zealanders claimed more than $750 million dollars from their medical insurance in the last 12 months. |
Mortgage Protection InsuranceWhy you need it? The purchase of your home is one of the largest financial commitments you will make. Once you have committed yourself to a home loan, your lender expects you to meet your repayments without fail, even when you can’t work due to sickness or injury. |
General InsuranceMost people understand the necessity to insure against loss for assets such as their house, car, business or personal items such as home contents, boats, caravans or jewellery. |
Travel InsuranceWhy you need it? If you are planning to take a holiday overseas, you and your family can enjoy comprehensive cover at a great price. |
ACCWhy you need it? ACC provides 24 hour seven days a week personal injury cover for everyone in New Zealand. |
