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Protect what matters most with Fundmaster's comprehensive insurance services. Our expert advisers in New Zealand specialise in life, income protection, and medical insurance, tailoring policies to safeguard your family, business, and future. With years of experience and a deep understanding of the local market, we offer personalised solutions that provide peace of mind and financial security. Whether you're a homeowner, business owner, or employee, our team will assess your unique situation and recommend the most suitable coverage.

Our Insurance Services

Our insurance advisers in New Zealand will ensure that your life, business, personal and trauma insurance cover is appropriately structured, based on your circumstances and aimed at protecting you and your family.


Life Insurance

If you have a family, a business, a home and mortgage and/or any other financial commitments, then a life insurance policy that fulfils those obligations in the event of your death is vital. Fundmaster has a significant background in this area, with our experienced qualified advisers available to sit down and take a deep dive into your liabilities. In assessing your situation, we recommend suitable life cover based on a whole range of relevant factors.


Income Protection Insurance

Business owners and employees must ensure that they have a contingent plan in place in case of a medical or other life crisis. A tailored Income Protection insurance policy will assist you to successfully navigate the stormy waters you and your family could be tossed into if you are taken out of the loop and your income is compromised. Whether you’re a business owner or an employee, our expert financial advisers can help you to structure an Income Protection insurance policy that’s right for you, augmenting your ACC cover and giving you peace of mind.


Medical Insurance

When disaster strikes and an unforeseen illness attacks, potentially taking you away from your work, business or family obligations, your medical insurance policy will be pivotal. Medical insurance cover will make sure you and your family are not financially compromised and able to enjoy the benefits of the best medical treatment you or they deserve. Talk to our specialist team of insurance advisers about your options in securing the medical insurance cover that is going to sustain you and your family through difficult times.

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Why Choose Fundmaster for your Insurance needs?

We at Fundmaster understand how precious your family, home, or business is to you, so our qualified advisers suggest the best insurance cover. After assessing your life situations as well as liabilities, the advisers recommend a cover that suits your specific needs.

Tailored Insurance Solutions at Your Doorstep

Selecting the right insurance requires expert insight. Our advisers provide the guidance needed to secure the best possible protection.

Start Your Journey to Financial Success

Ready to take the first step towards your financial goals? Whether you’re looking to buy your first home, refinance your mortgage, or seek expert advice on insurance and business loans, Fundmaster is here to help.

Don’t wait to secure your financial future. Reach out to us today and let’s start building your path to prosperity together.

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What is life cover and how much do I need?

Life insurance provides a lump sum payment upon your death, and it can also be paid out if you are diagnosed as being terminally ill. This coverage ensures that your loved ones are financially supported in the event of your unexpected death, helping to cover expenses such as funeral costs, debts, and living expenses.

The amount of life insurance you need in New Zealand depends on various factors such as your income, debts, dependents, and future financial goals. It’s important to consider the financial support your family would require to cover expenses like mortgage payments, daily living costs, education, and other long-term financial commitments. Consulting with a life insurance adviser can help you determine the appropriate coverage for your specific situation.

How do premiums work and what factors affect them?

Policy Type
If you have selected a Stepped/Indexed policy, then on your policy’s yearly anniversary your premiums will increase with age. With the Stepped option your sum assured will increase too. If you have selected a Level policy, then your premiums will not increase each year with age. If you need to lower your cost, you can always decrease your level of cover.

Indexation means that each year, your insured amount will adjust to account for inflation. For instance, if you have $100,000 in coverage and inflation is 5% for the year, your coverage will increase to $105,000. This adjustment helps ensure that your coverage remains in line with the rising cost of living. You can choose to opt out of this increase if you prefer.

Premiums for smokers are higher than for non-smokers. The good news is that if you quit smoking continuously for 12 months, your insurance costs can be reduced. Once you have been smoke-free for 12 months, you will qualify as a “non-smoker” in the eyes of insurers, which can lead to lower premiums.

What happens if I stop paying premiums or want to cancel my policy?

Most insurance policies have a grace period, usually 30 days, during which you can make the payment without losing coverage.

If you choose not to keep the policy, you can cancel it within 14 days of receiving your policy documents, known as the “free-look period.” Simply provide a signed cancellation request, and any premiums paid during this period will be fully refunded.

What should I do if my circumstances change and how often should I review my policy?

It is important that you keep us up to date with any changes in your circumstances. Please keep us informed of any bank account or credit/Debit card changes as well as updating contact phone numbers, physical, occupation, postal and email addresses.

It is recommended to review your insurance policies annually or whenever there are significant changes in your life or financial situation.

Is the payout from a life insurance policy taxable?

No, the payout from a life insurance policy to beneficiaries is generally not subject to income tax in New Zealand. However, any interest earned on the payout may be taxable.

What happens if I need to claim and how long does it take?

Fundmaster is here to help. If you think a claim might be needed, please contact us straight away. We will then contact your insurer and get the claims process underway.

The processing time can vary depending on the complexity of the claim and the type of insurance, but it typically ranges from a few days to several weeks.

Frequently Asked Questions

Have any other questions? Please contact us: