Insurances

Mortgage Repayment, Income Protection, Life & Medical Insurance

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

See how income protection helped "Cocksy"
The value of insurance advice
Should I cancel my insurance?

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

By Rossella Quaranta 20 Nov, 2017
Imagine being able to monitor your financial life from a single platform - including your KiwiSaver scheme, Super-Super, bank accounts, savings, debts, shares, property and other investments.
By Rossella Quaranta 20 Nov, 2017
If you want to make sure you’re getting value from your insurance, why not take a closer look? Here are some suggestions for managing the cost of your cover.
By Rossella Quaranta 18 Oct, 2017

Who said financial skills are just for grown-ups? Teaching kids about money provides them with a toolbox that will be incredibly useful through life in making confident and informed decisions in the future.

And its importance goes well beyond money itself. It can be the foundation upon which key skill sets are built, such as ethics, empathy, organisation, time and risk management. Of course, the style and approach is personal to every parent, but if you’re not sure where to start, check out these handy tips.

By Rossella Quaranta 18 Oct, 2017

When life throws a curve ball or two and you need to claim on your insurance, having the knowledge, expertise and guidance of your insurance adviser makes all the difference.

It’s your adviser’s job to guide you through the process; to help you understand what you can claim; to represent your interests with the insurance company; to make sense of the various forms and process. Ultimately, they’re there to make claim time as stress-free as possible and to help you receive your pay-out in a timely manner.

By Design Team 19 Mar, 2017
However, if you have only basic life cover, you are leaving yourself uninsured for other events that could be just as devastating to your family financially. 

For example, what if you were to suffer a stroke, heart attack or cancer, and survive - but not be able to work ever again?

Quadrant has a whole range of insurance products designed to alleviate the financial stress on you and your family. We all need to reconsider our insurance needs from time to time, especially at pivotal times in our lives, such as marriage, starting a family, buying a house or becoming self-employed.

It's also important to take account of the escalating costs of medical treatment and rehabilitation, and the amount you might realistically need to properly recover from serious illness or injury, and provide for your family.

Consider the following types of insurance cover available to you:
More Posts

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 (2020) Ltd can help you by calling us in Christchurch (NZ) today on +643-348-0745 or contact us online.
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