Expert guidance and advice
HELPING NAVIGATE LIFE’S CHALLENGES
Picture this: you’ve been diagnosed with a critical illness, and suddenly, life takes an unexpected turn. Amidst the medical appointments, treatments, and emotional challenges, your financial worries should be the last thing on your mind. This is where our Insurance advice steps in, offering a plan tailored to help you navigate the disablement process with confidence and peace of mind.
In the face of disablement, your journey is unique, and your challenges are specific. That’s why our Insurance Advice Service is tailored to you, offering comprehensive coverage and expert guidance precisely when you need it the most. Let us be your partners in resilience, supporting you every step of the way through life’s most daunting challenges.
Covering your obligations to those who depend on you:
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Imagine having the reassurance that your family’s financial future is secure even if you’re not there to provide. Our advisers craft personalized advice that can act as a financial cushion for your loved ones, ensuring debts, education funds, everyday expenses and more are covered, allowing your dependents to be financially supported during their hardest time.
LUMP-SUM FINANCIAL ASSISTANCE FOR YOUR FUTURE
Facing a life-altering disability is daunting, but our tailored advice ensures you don’t face it alone. Your financial plan can be augmented with a lump sum payment, enabling you to service your existing debts, cover medical expenses, and invest in necessary lifestyle adjustments without draining your savings in the event that you are rendered unable to work by a long term illness or injury.
KEEP A ROOF OVER YOUR HEAD
During the disablement process, worrying about mortgage payments should be the last thing on your mind. Our Mortgage Repayment options can kick in quickly, covering your mortgage payments when your income is impacted due to illness or disability. This means your home stays secure, and you can focus on your recovery process without the added burden of financial strain or potentially losing your home.
REPLACE LOST INCOME AND MAINTAIN YOUR EARNINGS
Your ability to earn is your most valuable asset. Our advice and tailored plans can put a plan in place that is specifically designed to replace your lost earnings, ensuring you can continue to support your family, cover daily living expenses, and maintain your lifestyle. With our tailored advice and planning, your financial well-being can remain through unexpected health crises or injury.
EXPERT GUIDANCE EVERY STEP OF THE WAY
Navigating the disablement process is complex, but you don’t have to do it alone. Our experienced advisers offer more than just insurance policies; they provide compassionate guidance, ensuring you understand your coverage and helping you make informed decisions. We handle the paperwork, assist with claims, and act as your advocates, allowing you to focus on your health and well-being.
With our Insurance Advice and planning, you gain more than just policies; you gain peace of mind. Imagine having the confidence that your financial affairs are in expert hands, allowing you to focus on your recovery, spending quality time with your loved ones, and pursuing your passions. Our advice is not just about policies; it’s about empowering you to face the future with resilience and optimism.
THE ANATOMY OF A CLAIM
The truth is that a holistic approach to the disablement process is necessary, because in our experience the process is never predictable and never unfolds as you might expect. With our long term structured approach and comprehensive claims management we can ensure that your debt payments are met, solvency is established and ongoing needs are provided for. This can involve a complex claims process with multiple steps, which our service provides every step of the way. We take into account every facet of your needs from the lens of experienced industry professionals and help provide you with what you actually need at claim time, with no mistaken assumptions.
WHY CHOOSE SPRATT?
25+ YRS
of Experience in NZ Financial Services
99%
100%
NZ Owned and Operated
5*
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