Personal Protection

Personal insurance is to protect you and your family from financial disaster when death or disability occur. The financial impact on you and your family will depend on how much you have planned to manage any such event, and how regularly you review your plan.

Business Protection

Most business owners face liabilities in some form or another, whether it is business borrowings, contractual leases, overheads, etc. Make sure you have the correct business risk portfolio as part of your business risk management plan.

Mortgage Finance

We can take the headache and stress out of finding the right home loan which suits you. We have access to most lenders in New Zealand so call us and we will make it easier for you to get the finance you are looking for.

Personal Insurance
Business Insurance
Home Loans

Business Insurance Benefits

Business Insurance Protection can be quite a complex affair with so many variables. The correct portfolio of benefits can only be determined after correct assessment, so here are a few benefits we use to protect our clients.

Key Person Benefit:

This is normally for a person new to being self employed and is unable to provide evidence of income. The key issue to this benefit, is that when you become self employed and become unable to work due to sickness or accident you would normally have to verify income to enable the insurer or ACC to determine how much you are entitled to receive as monthly benefit. This can become a real issue for self employed business owners who cannot show income in the start up stages. Key Person Benefit is the perfect product where you can insure for a fixed amount without having to verify taxable income and you will be paid your monthly benefit should disability arise due to sickness or accident.

Business Overheads Cover:

This is ideal for the small business owner who would have problems paying fixed expenses for his or her business in the event of disability due to sickness or accident. Business Overheads Cover will pay the fixed expenses for your business which are of a non capital nature i.e. premises lease, interest on a mortgage for the business, non income producing staff wages, telephone, electricity, leased vehicle etc. So if you think that your business would not be able to pay these expenses if you could not work, then don't take the risk and make sure you get Business Overheads Cover.

Cash flow Cover:

Provides regular predetermined cash flow injections into your business is the person insured is unable to work do to sickness or accident. This cash flow injection can be used for what ever you like and can be of a capital nature or not, it is totally up to you. It is a VERY simple product which will provide cash flow into your business when you need it most.

Other Benefits:

Life Cover, Total and Permanent Disablement, Trauma Cover and Income Protection are also used are part of our risk management planning for business owners.

Client Testimonies

I was impressed how Perry consulted my wife and I around our insurance needs regarding health/medical, income protection and permanent disability.

Perry has a great knowledge of insurance products and his approach was not someone trying to sell but more about asking the right questions to find out what my wife and I really needed to have in place and provide a great solution for us with additional benefits and a cost advantages over our existing policies with another provider.

Thanks Perry for your great service and help!

Gary & Karen (Auckland)

Thank you so much for the opportunity to insure through Partners Life. I was amazed with the cover you were able to get me and the price!

Really affordable and I appreciate the extra mile you went to for us. Bless you heaps.

Sean & Marie (Rotorua)

Gladys and I have dealt with Perry and Complete Financial for many years now.

The professional mannerism and personal advice Perry has offered in regards to finances, insurances and our home mortgage has been nothing shorter than "Awesome".

In every instance Perry has gone the "extra mile" to provide the best possible service to my wife and I.

Sam and Gladys (Rotorua)