First Insurance Limited

First Insurance is an insurance brokerage. We have access to 7 insurance companies and over 70 insurance products from highly rated New Zealand insurance providers. Our services to you are Free and always will be. Our focus on “what is best for our clients”. We believe if we focus on our clients and always put them first, all else will fall into place. We believe in listening to our clients, understanding specific needs, and staying within our client’s budgets with insurance premiums.

First Insurance Limited Products

Income Protection

Mortgage Insurance

pays your mortgage repayments if you’re off work due to sickness or accident.  Can pay for many months or even years, until you are able to go back to work.  Option to add life insurance to pay off the mortgage should death occur.​​​

Premiums From:  45cents per day=

Rent Insurance

pays your rent if you’re off work due to sickness or accident. Can be set up to keep paying your rent for many months or even years, until you are able to go back to work. Very affordable.

Premiums From:  40cents per day=

Vital Income Protection

Covers 29 of the most serious injuries and illnesses, including: Heart Attack, Stroke, Critical Cancer, Coma, Major Head Trauma, Major Burns, Paralysis, Loss of Independence and other conditions. Premiums Tax Deductible for self employed and employed people, in most cases.  Pays up to 75% of your income.  You need to be off work for at least 4 weeks, and payments to you can be made for many months or years (up to Age 65) if needed or until you return back to work. This cover is half the price of Standard Income Protection.

Premiums From:  60 cents per day (less tax refund)=

Living Expenses

pays your regular bills, including your Rent, Power, Phone, Personal Loan repayments, Rates, Internet, School Fees, Home-Contents-Car Insurance, and other regular bills you may have.

Premiums From:  70cents per day =

Redundancy Cover

pays up to 40% of your income, for up to 6 months, should you be made involuntarily redundant. (Does not cover volunteer redundancy).

Premiums From:  63cents per day=

Income Protection

Premiums Tax Deductible for self employed and employed people, in most cases.  Pays up to 100% of your income.  You need to be off work for at least 4 weeks, and payments to you can be made for many months or years (up to Age 70) if needed or until you return back to work. Lots of options to meet your budget.

Premiums from:  94cents per day  (less your tax refund for most policies)

Life Insurance

Standard Life Insurance

pays out on death or diagnosis of terminal illness and likely death within 12 months. Choose from Level premiums (premium does not increase each year), or Stepped premium (premium increases each year according to your age)

Premiums From:  40cents per day=

Mortgage Insurance

pays all or part of your mortgage debt upon death or terminal illness.

Premiums From:  45cents per day=

Death by Accident Insurance

much cheaper than Standard Life Insurance and does not require the completion of lengthly application forms.

Premiums From:  30cents per day=

Golden Life Plan

Pays up to $50,000 of life insurance, even if you are already seriously ill. You need to live two years from issue of the policy for a full claim to be payable.Easy application, No medicals, No increased premiums if you are already ill.

Premiums From:  55cents per day=

Funeral Insurance

Funerals can cost from $8,000 to $15,000, with some being over $20,000. This cover can help with those costs and also provide funds to assist your family and friends with travel and accommodation costs, particularly if you have family overseas

Premiums From:  65cents per day

Trauma Insurance

Standard Trauma Insurance

pays out a lump sum should you suffer one or more of the listed conditions, and live at least 14 days. Includes: Heart Attack, Stroke, Critical Cancer, Coma, Major Head Trauma, Major Burns, Paralysis, Loss of Independence, Alzheimer’s disease, Benign brain tumour, Blindness, Chronic liver failure, Chronic Lung disease, Severe brain damage, Dementia, Multiple sclerosis, Parkinson’s disease, and many other serious illnesses and injuries. Premiums From: 80cents per day

Severe Trauma Insurance

covers most of the conditions under Standard Trauma Insurance, but you need to meet a higher level of disability to be able to claim (in most cases Life Changing disablement). Premiums are much cheaper than Standard Trauma Insurance Premiums From: 45cents per day

Vital Income Protection

This is Trauma Cover paid out as a Monthly Benefit rather than a one off lump sum. Covers 29 of the most serious injuries and illnesses, including: Heart Attack, Stroke, Critical Cancer, Coma, Major Head Trauma, Major Burns, Paralysis, Loss of Independence and other conditions. Premiums Tax Deductible for self employed and employed people, in most cases. Pays up to 75% of your income. You need to be off work for at least 4 weeks, and payments to you can be made for many months or years (up to Age 65) if needed or until you return back to work. This cover is substantially cheaper than Standard Income Protection. 

Premiums From: 60cents per day

Health Insurance

Hospital and Specialists

Provides quick access (often within days) if you need diagnostics such as Xrays, MRI scans, CT scans, or you require Specialist consultations. Covers the costs of admission to hospital for elective surgery and non-surgical conditions. The alternative to waiting on long Public Waiting Lists for months (or years), getting sicker, and requiring you to take weeks or months away from work due to your condition. 

Premiums From:  $1.25 per day

Hospitals Only Cover

Covers the costs of admission to hospital for elective surgery and non-surgical conditons. The alternative to waiting on long Public Waiting Lists for months (or years), getting sicker, and requiring you to take weeks or months away from work due to your conditio   Covers the costs of admission to hospital for elective surgery and non-surgical conditons.

 Premiums From:  $1.00 per day

First Insurance Limited Contact

Phone: 0800-112-899

Mobile:  022-382-4013

john@firstinsurance.co.nz

Link Road

Newlands, Wellington

Hours

Mon-Fri  9am-7:30pm

Saturday  10:00am-2:00pm