Insurance services
保险服务
医疗保险
Medical Insurance
医疗保险可以免等待进行专家确诊和治疗，是您与疾病争夺时间的最近快速通道，通过医疗保险可以进行专家多次问诊，私立医院住院及手术，非国家补助的非处方药，孕产专家，海外治疗，免费旅行险，牙齿及眼科赔付，ACC补充，体检，医疗护理，公立医院住院补助等
Medical Insurance can help you to choose the correct health care such as: Specialist and private hospital; Surgical and Non-Pharmac funded drugs; overseas treatment; free travel insurance; major diagnostics and ACC top-up; Dental and Optical.
人寿保险
Life Insurance
（固定保费保投资/浮动保费保风险）
人寿保险主要的功能包括为家人提供保障，偿还债务，抚养费，家庭信托充值，财富传承，股东互保及投资返款等,具备受益人再分配功能。
Life Insurance is designed to provide security for a wide range of financial commitments by paying a lump sum on your death. This essential form of protection is used for a variety of purposes
意外险
Accidental Death
人身意外险是对在意外死亡后得到的一次性赔偿，用来帮助家人提供经济支持。
Accidental Death is designed for Death as a direct result of an accident
重大疾病保险
Trauma / Trauma Multi cover
重大疾病险分为：固定保费型，浮动保费型，单次理赔型，多重理赔型，独立保有效期为70岁，联合保有效期可到100岁。
重疾险是在确诊罹患某一种重大疾病后获得赔偿收入损失以确保治疗期的生活品质保障。 21岁以下从父母的保单中自动获得20%免费额度，上限不超过$5万。
On the occurrence of a Trauma Multi condition, lump sum benefits can play an important role in helping you meet significant financial obligations such as medical expenses, mortgage repayments and other costs that may arise in order to accommodate a changed lifestyle. Despite the occurrence of a serious health incident, many people make a good recovery and continue to live a good quality life.
贷款保障保险
Mortgage Repayment Insurance
在您生病或受伤的时会收到最多110%-115%的每月还贷额度，打入您账号的这笔不需要交税又可以自由支配的钱不是来自于您的雇主而是您所预先购买的贷款保障险，或是你拥有40%的收入保险， 如果受伤不能工作有机会赔偿双份收入。
You can choose how much you’re covered for; either 40% of your gross income, or 110% of your monthly mortgage repayments.The monthly Mortgage Repayment cover makes sure you have financial support to meet your monthly mortgage or rent repayments.
赡养收入及抚养费保险
Survivor’s Income Cover
在意外发生之后，谁来承担孩子的抚养费？家人的赡养费？家庭的固定收入？这是唯一一份与您的实际收入额度不相关的保险，您可以选择高达每月$5万的赔偿金给您所爱的人，不是每年$5万噢， 是每个月$5万。
What would happen to those who depend on you in the event you die or become totally and permanently disabled, and are unable to ever work again? Survivor’s Income Cover provides your family with regular monthly payments.
全残失能险
Total and Permanent Disability Cover
当不幸残疾失能后，被保人可以获得一笔现金赔偿来保障您在身体受损的同时不会出现经济压力。
Total and Permanent Disability Cover which pays out a lump sum if a total and permanent disability prevents you from returning to work.
车房财产险
Car/House/Content
您的爱车在自然灾害或意外事故中造成损失和损坏都由车险买单，所以您不应该裸奔噢！
房屋是您的财富之一，保护好您的房屋和财产也就保护了您为之辛苦所积累的财富不会一瞬归零
Vehicle insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage.
Protect your house and belongings against accidental damage or fire and theft.
房东险
Landlord Insurance
房东险是用来保护出租房意外受损，恶意逃房租，毒污染，等不可控的出租风险。
Landlord Insurance covers the risk to RENTAL property, including loss of rent, tenant damage,Methamphetamine contamination and damage to other property
雇主险
Employer Liability Insurance
雇主责任险，员工责任，员工不诚实和犯罪险，董事和高级职员险
Statutory and Employer Liability Cover，Employee Liability，Employee Dishonesty and Crime，Directors and Officers
职业险
Professional Indemnity Insurance
保护您的企业和员工免遭因提供的服务或建议而对企业造成的任何财务损失或法律诉讼。
Professional Indemnity is protection for your business and staff in case of a mistake, it covers legal fees to defend against any financial losses or legal action taken against your business for services or advice you have provided.
商业中断险
Business Interruption Insurance
在火灾，洪水，地震，入室盗窃或者其他事故的影响下所导致盈利损失。
Business Interruption covers income loss, loss of gross profit, increased costs of working and claim preparation.
宠物险
Pets Insurance
宠物险为您的爱宠提供以下保障：意外受伤，生病，疫苗注射，牙齿等
Pet Insurance plan cover for accidental injury, illness, vaccinations, day to day care and dental care
Loan services
贷款服务
普通住宅贷款
Housing Loan
商业贷款
Commercial Loan
建筑贷款
Construction Loan
生意贷款
Business Loan
买车贷款
Car Loan
装修贷款
Loan for Refurbishing house
现有贷款转移
Loan Refinance
现有贷款额度增加
Loan Top Up
抵押借款
Mortgage
无抵押借款
Unsecured Loan
海外收入商业贷款
Overseas Income Commercial Loan
我们的优势 Our Advantages
我们可以帮助客户申请到最大的贷款额度，最高可以达到房屋价值的95%
We can assist our customers to apply for the largest loan amount (up to 95% the value of the house).
不论您的签证是工签还是PR，我们都可以帮您申请到最大的贷款额度。
We can assist you to apply for the maximum loan value no matter if you are holding a work visa or a PR.
我们拥有众多的lenders供客户选择，包括新西兰四大银行，中资银行，小银行，几十家二级金融公司。
We have many lenders for customers to choose from, including New Zealand’s four major banks, Chinese-funded banks, small banks, and dozens of secondary financial companies.
因为资金来源充分，客户选择余地多，所以我们可以帮您选择一个最好的利息和周期
We can assist you in choosing the optimal interest and period.
我们每天提交银行大量的贷款申请，所以可以帮助客户争取最大的现金返还
We can assist our customers to maximize their cash back due to our vast submitted applications.
建筑贷款，我们可以帮您在现有物业中进行top up，节约您的融资成本。
For construction loans, we can assist you in topping up existing properties and save your financing costs.