Tom West Risk Advisers

Tom West Risk Advisers tailor insurance programs to suit each client's unique circumstances, be it personal or business.
We offer a 100% personalised service to our clients by conducting regular reviews to insure their insurances are still fit for purpose and covering what's important to them.
We act as their claims advocate and walk them through the process, ensuring they receive what they've entitled to in a timely manner.
We are 100% NZ owner operated encompassing all levels of insurance, business & personal.


We offer insurance packages on all of the following, tailored to your needs and budget...


PERSONAL INSURANCES:

Life Insurance
Pays a lump sum or monthly amount to the policy owner in the event of death.

Health Insurance
Gives you the opportunity to bypass the public system and choose the hospital, specialist and procedure at a time that suits you.

Income Protection
Pays you a monthly benefit to replace your greatest asset (your ability to earn an income) in the event of an illness or accident.

Mortgage Protection
Pays you a monthly benefit to cover your mortgage in the event of an illness or accident.

Trauma
Pays you a lump sum in the event you suffer one of the 40+ specified health conditions (e.g. cancer, stroke, heart attacks, etc)

Total and Permanent Disability
Pays you a lump sum in the event you can never return to work again.


BUSINESS INSURANCE

Key Person
Insuring in the event a key person in the business is either disabled temporarily, permanently, or dies prematurely that your business continues in their absence.

Shareholder Insurance
Provides funding to help with share purchase/transfer in the event business owner is totally and permanently disabled or dies prematurely.

Debt Protection
Provides funding for business debt repayment in the event a business owner dies prematurely, is totally disabled or suffers a critical illness.

Group Medical
Helps protect a businesses biggest asset, there staff ensuring they get the best possible medical treatment in a timely fashion and return back to work as soon as possible.

Group Risk
From as few as 10 employees a business owner can give there staff life, trauma, TPD and income protection with no medical underwriting and guaranteed cover up to certain limits.

Give us a call to discuss your insurance requirements today!