Cave Financial offers a comprehensive range of personal insurance products, including life, trauma, total and permanent disablement, health, & income protection.
We're experts at protecting your health & your wealth by providing the right kind of insurance cover for your needs. As independent advisors, we're not obligated to work with any single insurance provider.
Instead we can source the best options for your stage in life, and give you confidence that you're covered no matter what may happen in the future.
Life Cover provides a lump sum payment in the event of death, helping to prevent financial stress compounding emotional stress at an already difficult time. A lump sum can help reduce debt, pay for final expenses, create an investment fund to generate ongoing income amongst other things.
Health & Medical Cover
Private health insurance provides the funding to enable you to have private medical treatment whenever you require more immediate access or a broader range of treatment options than are available to you through the Public health system.
Trauma Cover provides a lump sum payment should you suffer one of a range of covered conditions, e.g. cancer or heart attack which generally are by nature serious and potentially life threatening and, as a result, can have a significant financial impact.
Income Cover provides a financial safety net should you be disabled as a result of sickness, injury or surgical procedure, and unable to earn your regular income. The monthly benefit is designed to replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery.
Permanent Disability Cover
Total and Permanent Disability (TPD) Cover provides a lump sum payment should you completely lose your ability to ever work again (or carry on your normal tasks, if you are not employed), as a result of illness or injury.
Mortgage Repayment Cover provides a financial safety net should you be disabled as a result of sickness or injury. The monthly benefit is designed to cover either the mortgage repayments on your behalf or a portion of your lost income, ensuring your family home is not put at risk.
Fire & General Insurance
As well as insuring yourself and your family, it is just as important to protect your personal or business assets. Damage to property and possessions caused by fire, flood, mechanical failure or theft can be very expensive to put right.
We can provide you with insurance cover for the assets you value the most – like your home and contents, holiday home, rental properties, boat and cars.
Severe Trauma Cover
Insurance is there to protect us from all of those things we'd rather not think about, but if the worst does happen it's reassuring to know you've got a great team supporting you. Speak to one of our advisors today to get an expert and personalised assessment of your insurances.
Michael is an expert in his field and really goes the extra mile to ensure a professional, thorough and enjoyable experience when looking for Insurance cover or trusted Financial advice. Highly recommended.
Michael has a wealth of information to share with regards to financial planning...he has always provided valuable information to both my clients and me without being a pushy sales person!
I am thrilled with the advice and service Michael provided me for financial planning and for personal insurance. Trustworthy and a very nice chap! I highly recommend his services.
Michael has consistently provided excellent service, financial advice, support and follow-up on insurance services for my business. I would highly recommend Michael to anyone needing clear and honest financial advice.
New guidelines on the real cost of retirement have been recently released by Massey University
The 2021 Retirement Expenditure Guidelines provide information about actual levels of expenditure by New Zealanders who have retired. Pre-retirees can use this information to prepare for retirement, plan budgets for their desired future retirement lifestyle and provide a foundation from which to determine the amount of money and savings they need to achieve their retirement goals.
Why getting the right mortgage structure is key
We are starting to see rates increase on a weekly basis, so now really is the time to be reviewing your mortgage - it's not all about getting the lowest rate possible, but the more they continue to go up, the harder it is going to be to pay that loan down!
Creating a healthier life that works
Food provides us with the energy we need to live. What food we choose will help us live Healthier, Longer, Better Lives.