Hencoz Financial Services 027 272 2631Andrew and Shanon Hendricks

Personal risk insurance options in New Zealand

Worried about the unexpected? Want to protect yourself from whatever life throws at you? Our insurance products offer you peace of mind when you need it most.

Life insurance

Life is unpredictable, but with sound regulated advice we can secure your family's financial future with the correct product for your needs. Life insurance pays out a lump sum if you die or become terminally ill. Our products offer:

  • Repatriation benefits
  • Early release of some of the funds for the cost of a funeral

Comprehensive trauma cover

Trauma cover pays out a lump sum on diagnosis of one of several serious conditions and critical illnesses. It lets you recover from serious illness or injury without worrying about the financial burden it may cause.

Disability insurance

Total and permanent disability insurance pays a lump sum if illness or injury totally or partially incapacitates you and prevents you from working. Becoming permanently disabled affects not only your physical and emotional wellbeing but also your financial stability. We help you find the right solution for your situation.

Income protection insurance

If illness or injury stops you working, an income protection policy provides monthly payments to cover essential commitments. There are options whether you are a salary or wage worker, self employed, or running your own business.

Redundancy insurance

If you face job loss, redundancy insurance offers monthly payments to cover ongoing commitments while you find your feet again.

Mortgage protection insurance

Your home is the thing you least want to lose. Mortgage protection keeps the repayments going when your income stops, so the roof over your family stays where it is.

Why use a financial adviser for your insurance?

Freedom. Advisers are not limited to products from one insurer, which means a wider range of options.

Knowledge. We stay informed on industry trends and product changes, so you do not have to.

Resources. Access to loss control advice, legal guidance and efficient insurance administration.

Impartiality. Your adviser independently represents you, which means unbiased advice and competitive premiums.

Not sure which of these you actually need?

That is the usual place to start. Tell us what you are protecting and we will work out the rest together.