Personal Risk Insurance

Protect what matters most - your income, your health, and your family’s future.

Life Doesn’t Always Go to Plan

None of us like to think about serious illness, injury, or worse - but having the right insurance in place means that if something unexpected happens, you and your family are financially protected. Personal risk insurance is about ensuring that the people and things you care about most are looked after, no matter what life throws your way.

At Moana Financial Services, we help individuals, families, and business owners understand their insurance needs and find the right level of cover. We take the time to explain your options in plain language, so you can make informed decisions without feeling pressured.

Who Needs Personal Risk Insurance?

For Individuals and Families:

  • Anyone with dependants who rely on their income

  • Homeowners with a mortgage

  • Business owners and self-employed individuals

  • Families with young children

  • Sole income earners

  • Anyone without significant savings to fall back on

Even if you’re single with no dependants, income protection and trauma cover can be critical - because if you can’t work, your bills don’t stop.

Types of Personal Risk Insurance

  • Life Insurance

    Provides a lump sum payment to your family or nominated beneficiaries if you pass away or are diagnosed with a terminal illness. This can cover mortgage repayments, living expenses, children’s education, and other financial obligations your family would face without your income.

  • Mortgage/Income Protection

    Replaces a portion of your income (up to 75%) if you’re unable to work due to illness or injury. Unlike ACC, mortgage & income protection covers non-accident-related conditions - such as cancer, heart disease, mental health conditions, or chronic illness - which are actually the most common reasons Kiwis are unable to work.

  • Private Medical / Health Insurance

    Covers the cost of private medical treatment, including specialist consultations, diagnostic tests, surgery, and hospital stays. With growing pressure on the public health system, medical insurance gives you access to faster treatment and greater choice of provider.

  • Trauma / Critical Illness Cover

    Pays a lump sum if you’re diagnosed with a specified critical illness such as cancer, heart attack, or stroke. This money can be used for anything - medical treatment, rehabilitation, mortgage payments, or simply taking time off to recover without financial stress.

  • Total and Permanent Disablement (TPD)

    Provides a lump sum if you become totally and permanently unable to work due to illness or injury. This can fund ongoing care, home modifications, debt repayment, and long-term living costs.

Our Approach

Needs-based advice. We start by understanding your situation, not by selling a product. What are your financial commitments? Who depends on you? What would happen if your income stopped tomorrow?

Clear comparisons. We compare policies across multiple insurers to find the right cover at a competitive premium.

Ongoing reviews. Your life changes - and your insurance should change with it. We recommend regular reviews, especially after major life events like buying a home, having children, or changing jobs.

Claims support. If you ever need to make a claim, we’re here to help you through the process and advocate on your behalf.

Not sure if you’re properly covered?

Book a free insurance review with our team today
Book a free insurance review with our team today