The team at The Home Loan Shop saw a need to provide their clients with an additional service in offering an analysis of clients personal and business risk assessment and review of their existing insurance. With this is mind, we have created a new company with an Insurance Specialist on-board with a fresh perspective on the way to look at your insurance needs.

We all insure our homes, cars and contents, and all those ‘replaceable’ items in life, so why wouldn’t we insure ourselves? This is the question us laid-back, she’ll be right attitude kiwis must consider. Being one of the developed world’s most under-insured countries we need to catch up to our mates abroad and become realistic that life can take a pretty quick spin these days should a loved one suffer a serious illness, injury or pass away.

At HLS Insurance Ltd we are able to offer the following products across the personal and business risk market including:

Life Insurance, Income and Mortgage Protection, Redundancy Cover, Trauma/Critical Illness, Total and Permanent Disablement and Health Insurance.

Having assumed one of the Mortgage boys have done an awesome job in getting you your very first home, or re-financed you to get a better deal to nail that goal of becoming a debt free home owner. We now need to look at covering yourselves in terms of the worse-case happening. Because we don’t want to leave our loved ones with a burden of finally finding that dream home and not being able to pay the mortgage and becoming financially crippled in an already challenging time.

It is also just as important to review your existing insurance and at HLS Insurance Ltd we offer a free no obligation risk assessment.

The main reasons for a review may be one of the following:

• People’s circumstances are always changing eg the kids have left home or you have paid your home loan off. So you actually may not need as much cover as you are currently paying for.
• Insurance products are always evolving and getting better as companies are always vying for new business, so this makes it important to review your existing cover to make sure you are getting the best products at the most competitive premiums.

At HLS Insurance we are realistic in terms of budgets so we will work closely together to determine your highest priorities across the various benefits which we will guide you through, but leave you in control of the decision making process. It is just as important that you see value in the benefits chosen and satisfied your risk is covered.