Personal Insurance
It is important to protect your most precious asset - life itself, and your future ability to earn income.
Bennett Financial Services Limited offers professional advice on investment, insurance, share broking, superannuation, mortgages and financial planning services across the greater Southland and Otago regions. It is our job to identify areas of risk and their likely financial impact on you, your family and business.
We can then offer advice on suitable products and the level of cover needed to give you adequate protection and peace of mind.
Specific medical or hospital insurance may be appropriate. Again, we seek to find those products that best suit your lifestyle needs and personal circumstances.
In times of sickness, trauma or loss of life, the last thing you or your family want to worry about is financial survival.
Business Insurance
Shareholder or Partnership Insurance
Shareholder or Partnership Insurance is designed to provide funds for 'buying out' a deceased or disabled partner shareholder's interest. This generally includes a 'Buy/Sell agreement' that acts as a form of arrangement where an individual is obliged to purchase an asset of another individual if certain circumstances occur.
Business Expenses
Business Expenses Insurance is designed to provide funds to pay for fixed overheads in the event of a business person becoming disabled. This is to ensure the day to day cost of their business are maintained.
Key Person Insurance
Key Person Insurance is designed to provide funds for such things as hiring a temporary consultant or to recruit and train a replacement should a key person in your business become deceased or disabled. A 'key person' is one who, following these circumstances, would have a significant impact on the profit or value of the business.
Employee Benefits
Employee benefits can be part of a total package for employees and are designed to encourage their continuity for employment and initiate loyalty. These benefits may include:
- Health Scheme
- Life, Total Permanent Disability, Trauma or Income Protection Benefits
- Superannuation Schemes including KiwiSaver
For professional advice on personal and business insurances please contact our office on 0800 15 33 27 or email