Mortgage Repayment, Income Protection, Life & Medical Insurance Christchurch, New Zealand (NZ)

For asset protection and risk management we offer a full range of insurances including mortgage repayment, income protection, life and medical insurance.

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Mortgage Repayment, Income Protection, Life & Medical Insurance

How Insurance Works

Insurance might seem complicated and difficult to understand, but it's really very simple. It's all about pooling resources.

When you buy insurance, your premium payments go into a large " pool " of funds managed by the insurance company, from which claims are paid. Because there are more people contributing to this pool than there are people making claims, there should always be enough to help those who need it, even when the claims are for serous accidents or illnesses - requiring large lump-sum payments.

Meanwhile, Insurance companies can take out insurance also - with 'reinsurers' - to make sure they can meet their promise to their policyholders.
Annual premiums are set according to how much money will be needed to cover the cost of claims in the year ahead. Your premium reflects the likelihood of you making a claim. The more likely that is, the higher your premium will be.

A number of factors are taken into consideration when calculating this probablity. That's why we ask a lot of questions when you apply for cover. Insurance can't guarantee a life free of accident or misfortune, but it can help you cope with the financial consequences of unpredictable events, giving you and your family peace of mind that help will be at hand should the worst happen. Some of the most common forms of personal insurance are life cover, health cover, income protection, trauma cover and permanent disability cover.

If you want to know more click onto the links below:-

How far does your cover go?

Life Cover

10 reasons to get life insurance...and hold on to it

Protecting your family from the effects of illness and disabilty

Protecting your business from the effects of illness and disability

10 reasons to have insurance if you're in business

If you are looking for any of the following insurances:

Mortgage Repayment Insurance
Income Protection Insurance
Life Insurance
Medical Insurance

Then you have come to the right place, find out how Quadrant Financial Services can help you by calling us in Christchurch (NZ) today on 03-348-0745 or contact us online.

Have you reviewed your insurances lately?

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Apply for Accuro Health Insurance's SmartCare range for comprehensive cover at low premiums - click here

Apply for Accuro Health Insurance's SmartStay range for non-residents living in New Zealand - click here

Buying a new house or refinancing?

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Business Owners/Employers let Quadrant advisers talk to your staff about the scheme while you concentrate on your business. Employees ask about the schemes available.

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Disclaimer: The information provided and services described in this website are only intended for persons within the New Zealand jurisdiction and are not intended for persons outside the New Zealand jurisdiction. Accordingly, the information should not be relied or acted upon by persons in any country other than New Zealand. This information is governed by, and has been prepared under New Zealand law for the supply of the services and products described, in New Zealand only. Quadrant Financial Services Limited does not accept responsibility for the compliance of this information with the laws of any other country.