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Home Loan & Insurance Advice



  • In New Zealand, it has been estimated that there will be one death every 18 minutes. (1)

  • One in five men and one in seven women between the ages of 30 and 64 will suffer a critical illness. (2)

  • Of disabilities lasting six months or more, seven out of 25 are related to accidental causes. (3)

We can help you protect yourself — without over-protecting yourself! If you are thinking of looking at Health, Life, Trauma and Income Protection insurance — give us a call or pop in for a coffee.


1.  Statistics New Zealand, March 2010

2.  Gen Re Life/Health - Australian Critical Illness Survey 2008

3.  Statistics New Zealand, 2006 Disability Report

Health Protection

Take charge and have those big health expenses covered — hospitalisation, surgery & recovery.

  • Generous cover up to $300,000 per year for conditions requiring surgical treatment. 

  • Cancer care at every stage, including diagnostic imaging and tests, non-Pharmac approved MedSafe indicated chemotherapy drugs, prostate brachytherapy and breast reconstruction.

  • Treatment in Australia (subject to policy maximums and reasonable charges).

  • Treatment overseas if the wait for private practice in New Zealand is longer than six months.


  • Credit on next year’s premium if public system is chosen for treatment that Sovereign would otherwise have covered (minimum two-night stay required).

  • Private Health Plus provides all the benefits of Private Health Cover plus up to $10,000 per year for consultations and up to $100,000 per year for diagnostic imaging and tests.

  • With Private Health Plus, clients enjoy extra loyalty benefits such as $750 per year contribution to pregnancy, maternity or infertility care after three years, and $500 for health screening after three years.

Trauma Protection (Progressive Care)

Money when you need it most — valuable protection for you, your family and your business.

  • You can claim more than once.

  • Covers more than 60 medical conditions across five categories of conditions (Heart and Arteries, Cancer, Brain and Liver, Loss of Function, Other Health Events), all at various stages of severity.

Life Protection

Make the most of life. Despite your best efforts, life doesn't always go to plan. Make a difference at a time when support is most needed. Check out a clip which will simplify life insurance for you.

  • Early payment of your benefit if you are diagnosed as being terminally ill.

  • Pay an immediate lump sum of up to $15,000 to help with funeral expenses.

  • Pay off your home loan.

  • Cover living expenses.

  • Your business continues to operate.

Did you know?


of New Zealanders would experience some financial hardship if the first income earner suffers a long-term illness (5)

OVER 2,900

New Zealand men are diagnosed with prostate cancer every year(4)

Did you know?


is the second highest cause of cancer death in New Zealand(1)


Stroke is the third largest killer in New Zealand (about

people every year) (3)

We also provide Disability Income Protection and Total Permanent Disablement insurance.


Contact us to find out more.

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