WE OFFER

INSURANCE PRODUCTS

"We know insurance policies inside and out. We'll find the right one to match your personal circumstances, whatever they may be."

WE OFFER

Business Insurance

Provides a monthly benefit to safeguard your business against the loss of a key staff member or an owner due to illness or injury.This is may also be available for people starting a new business.

Family Protection

Provides monthly payments rather than a lump sum to your loved ones after your death

Group Health and Life Insurance

Provides essential protection for business owners and staff at discounted rates

Health Insurance

Gives you access to select the best specialist and medical treatment when you need it as well as avoiding long public health waiting lists

Home Loans

Mortgage finance when purchasing a home or rental investment and refinancing your home loans.

Income Protection

Pays a percentage of your income if you are unable to work due to illness or injury.

Life Insurance

Protect your loved one’s future by providing them with a lump sum payment if you pass away.

Mortgage Protection and Redundancy Cover

Provides monthly payments to meet your mortgage payments if you are unable to work due to illness or injury.
Redundancy Cover is currently unavailable, due to Covid-19.

Restructure ACC Levies

To achieve better value for your money and pay a lower ACC levy.

Rural Insurance

Provides a monthly benefit to protect the ability of your farming operation to generate revenue if you are unable to work as a result of sickness or injury.

Total and Permanent Disablement

Provides a lump sum payment if you are totally and permanently disabled because of illness or injury.

Trauma/Critical Illness Cover

Provides a lump sum payment when a critical illness or injury occurs i.e. heart attacks, strokes, various cancers.

HOW DO WE DO IT?

Personal Insurance 

Your family is the most important thing to you. You want to make sure that they are protected should anything happen. Many people insure their car and their home but neglect to insure themselves. Your ability to earn an income over your working life is probably the greatest asset you have.

We provide advice, implement and monitor a risk protection plan to address the following:

Assess your current financial position

Ways to safeguard you and your family     against loss of income due to accident and     illness

How to provide for your family in the event     of your premature death, injury or illness  

Business Insurance

Self employed and business owners need to make sure the running costs of their business can be maintained even if they aren’t managing the business hands on. Whether you are an established or a new business, let us show you where you are at risk and how to manage this.

We provide advice, implement and monitor a risk protection plan to address the following:

How the company's profitability would be     affected if a key person was incapacitated

Whether there are the necessary     agreements and plans in place in the event     a shareholder dies prematurely suffers a     critical illness or becomes totally disabled

How business loan obligations can be met     without jeopardising personal assets

If your ACC has been structured cost     effectively in line with your other     insurances and income structure

Rural Insurance 

Your farm and your ability to run this generates the income you need to provide for you and your family, so a threat to the farming operation is also a threat to the family lifestyle. Revenue protection can help ensure that you have a regular income so that your family can have financial security and protect your farming assets.

We provide advice, implement and monitor a risk protection plan to address the following:

Revenue streams if a key person is     incapacitated

Whether there are the necessary     agreements and plans in place in the event     a shareholder dies prematurely suffers a     critical illness or becomes totally disabled

How loan obligations can be met

If your ACC Levies have been structured     cost effectively in line with private     insurance

Address

Top Half Financial Services Ltd
Unit 6, Kowhai Court,
27 Rust Ave,
Whangarei 0110 

Contacts

Email: admin@thfs.co.nz
Cell: 021 479 909
Phone: 09 430 2512
Fax: 09 430 0330