AVOIDING RISK WITH THE PROPER PROTECTION

Christchurch Insurance Brokers Eric James & Associates We offer several types of cover from some of the top insurance companies in New Zealand such as:

Life Cover

This is a lump sum payment in the event of death or a terminal illness. It provides your family with a payment that replaces lost income or repayment of a debt (e.g. mortgage)

Life Income Cover

In the event of death or terminal illness, this type of policy provides your family with a regular monthly payment (to replace the loss of income so they don’t have to worry about their financial future.

Income Protection 

A monthly payment if you are unable to work due to a disability as a result of an accident or illness. It allows you to maintain your lifestyle and continue to plan for your future despite suffering a disability.

Medical Insurance

This provides for the reimbursement of major medical expenses. It allows you to gain immediate access to the best care available at a time when the last thing you want is to end up on a long, hospital waiting list.

Trauma Insurance

If you were to suffer a major event such as a heart attack, cancer or stroke for instance, this lump sum payment will give you the financial freedom to control you own destiny; seek alternative treatment; get the help you need or replace lost income.

Mortgage Replacement Cover

A monthly payment to cover the cost of your mortgage if you are unable to work due to a disability. You’ll have peace of mind knowing your home will remain secure

Total and Permanent Disablement

This is a lump sum payment if you become totally or permanently disabled. You can use this sum to pay off debt, replace lost income, pay for rehabilitation or any additional help you might need.

Waiver of Premium

Paying for your insurance will be one less thing you need worry about as this cover pays for your premiums if you are unable to work because of a disability.