Services

A lump sum payment to help you and your family if you suffer a critical illness.

This is ideal to pay your immediate costs and offer financial security at a difficult time. Trauma Insurance is all about survival.  Are you prepared for serious illness?  It’s a fact of life that we all get sick - and sometimes seriously.  The cost of recovery from an illness like cancer or a heart attack can have a huge impact on your ability to meet your living expenses.
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Trauma Insurance is designed to pay a lump sum in the event of you suffering one of a number of specified critical conditions.

- Financial Survival – many patients survive an illness only to be crippled financially
- Treatment Expenses
- Loss of Earnings
- Protection for children
- Medical advancements

With Trauma Insurance you choose the lump sum which will be paid out should you suffer one of the list of conditions that the policy offer covers for.  You can use the lump sum for whatever you want.

Paragon advisers use a thorough fact finding process to determine your needs.It is important you get the right amount. Too little could mean the people you care about aren’t taken care of and too much could mean you are wasting money on insurance premiums.

This guards your greatest asset: your power to earn.

It means a monthly payment if you cannot work due to sickness or injury. Most of us insure our assets – but are you protecting your greatest asset – your ability to earn? Just because your health suffers a setback, your financial wellbeing doesn’t have to. When illness and accidents leave you unable to work, disability income protection can protect you from the consequences.
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Disability Income Protection provides you with a monthly payment if you are unable to work, due to illness or injury with individual guidelines depending on the provider.

- Unexpected illness
- Keeping your household running
- A chance to recuperate
- A quick return to work or a new vocation

Your current circumstance determine this and your Paragon adviser will complete a needs analysis to determine if you need it. As a general rule if your quality of life depends on your income, disability income protection is worth considering.

Your income protection plan will give you a choice of how long your benefit is paid for. Often the choice will be 2 or 5 years or to age 65. The option of to age 65 offers the best protection but is more expensive than a 2 or 5 year benefit.

This insurance pays the costs of hospital care, surgery and other major medical expenses.

We choose the cars we drive, the areas in which we live and the schools our children attend – so why leave the choice of major medical care up to someone else?  With private medical insurance you are in control.  It helps you access the very best medical expertise at a time that suits you, and in a hospital of your choice.
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Medical insurance provides a host of choices, whether you just require cover for ‘big’ items such as surgery or whether you want to include other medical costs such as specialists and GP visits.

- Freedom to select the best hospitals and specialist
- Avoid waiting lists
- 100% reimbursement of major surgery items
- Up to $250,000 per life assured per year

People often insure their home or car but forget to take care of their health. We don’t know what kind of health problems will affect us, or when they will emerge.  Think about what would happen if you were faced with a serious health issue….. would you be able to get the treatment you need, at a time and place or your choice? If not, then medical insurance is the way to go.

It’s important to get cover while you are healthy.  If you suffer a sickness or injury prior to getting covered, that condition may be permanently excluded from your cover.

A lump sum payment to help you or your family if you become permanently disabled.

Life doesn’t always turn out the way we plan. Sometimes we become ill, or have an accident and, if it’s serious, we might be left unable to work.  How would you and your family cope if you were permanently disabled?

- Mortgage Repayments
- Day to day living expenses
- Raising children
- Protecting retirement savings
- Funeral Expenses

Total insurance solutions designed specifically to protect your business.

The Paragon team provide specialist advice to ensure that when the unexpected happens, you and your loved ones have choices to ensure your goals and visions are still a reality. There are more than 350,000 businesses in New Zealand, and the vast majority are small-to-medium sized.  Each gives its owners and their families an income, a career, security and eventually an investment to sell. Succeeding in business is challenging enough, without having to worry about the unexpected consequences of illness, injury or death.

Are you aware of all the risks that are relevant to your business?

Protecting a business against the loss of its principals and key staff is an important function of any business insurance plan.  

Generally business insurance is broken down into 3 areas:
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- Business partner / shareholder protection
- Loan protection
- Key person protection

Paragon advisers are specialists in getting to know your business and the associated risks.  By sitting down with you, they will be able to make recommendations to ensure the continuity of your business in the event of adversity.