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PERSONAL

& BUSINESS

INSURANCE SPECIALISTS

Protection is what we do, but relationships are what we build.  By working closely with you we can help you understand your needs whilst explaining insurance in plain English.  With us you are not just a number, you are our preference. 

 

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ABOUT US

Areas, we can provide you with advice.

The following are the areas of personal or business risk and insurance advice that I can provide.

 

Personal risk insurance needs arising from:

  •  Untimely death                                                                      (Life insurance)

  •  Suffering specified serious illnesses or disabilities            (Trauma insurance)

  •  Suffering a permanent disability                                          (Permanent disability insurance)

  •  Loss of income through sickness or disability                     (Income protection insurance)

  •  Needing timely hospital or specialist treatment                 (Health insurance)

 

Business risk insurance needs arising from:

  • The loss of a key person through death or disability

  • Retirement of business debt and other liabilities caused by death or disability

  • Succession, partnership, and share purchase needs caused by death or disability

We do not give advice on life investment products including whole of life, endowment, unit linked insurance and insurance bonds.

We can also help with ACC Coverplus Extra. 

https://www.acc.co.nz/for-business/understanding-your-cover-options/optional-cover-coverplus-extra-cpx/

About us

About Advisors

SIBY JOSEPH - FINANCIAL ADVISER - FSP 489407

 

Coming from a strong professional family background and vast experience in the financial industry, this has enabled me to understand my clients needs and risks.  My aspiration is to generate the right plan for you and your family if the unforeseen was to happen.


I was born in India and bought up in a family rich in professional values.  Many family members including my father were involved in the banking sector.  I moved to Christchurch in 1996 and completed my studies here. I am married to Cathy and we are blessed with four wonderful kids. 

 

Over 15 years of experience in the insurance industry has given me a great understanding of my client's needs, which has helped me build a gratifying and rewarding career. 

 

I take pleasure in meeting new people, building long term relationships and being there for my clients when they need it the most. 
 

Talk to me about creating the right plan for you and your family.

Our process.

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3

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  • Get to know you so I can understand your needs, agree on the service you would like me to provide

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  • Collect all relevant information from you

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  • Analyse and research the most appropriate solutions

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Our process.

1

2

3

  • Get to know you so I can understand your needs, agree on the service you would like me to provide

  • Collect all relevant information from you

  • Analyse and research the most appropriate solutions

4

5

6

  • Develop a plan to address your needs

  • Following your agreement, implement this plan for you

  • Together with you we will review this plan on an on-going basis to ensure it remains relevant to your changing needs

Our process

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Our providers.

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We work with New Zealand's leading health & risk insurance providers. 

This allows us to customise a plan to suit you and your family with the best products available and at

a price that is affordable to you. 

Our providers
Our products

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Our products.

PERSONAL INSURANCE

Personal Insurance helps you live your life by providing financial security for you or a member of your family in the event of a serious illness or accident.

Health insurance
Life insurance
Trauma insurance
Total, Permanent Disability
Income Protection
Mortgage Protection
Redundancy Cover

BUSINESS INSURANCE

Business insurance helps the organisation or the individual to continue operating by providing the cashflow to replace you or a key employee.  Helping with buying shares from a partner/director or shareholder if they can no longer work to perform their duties in the business.  Group cover can help your employees in their time of need.

Income Protection
Key Person Cover
Life insurance
Business Expenses Cover

Rural & Farmers Cover

ACC Cover Plus Extra
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