Young Professionals

When you’re starting out in life, whether you’re just leaving university, kicking off your career or moving out of home for the first time, you will find yourself with more options than ever before.

Where once you were ‘just getting by’, chances are you now have a bigger bank account and it can be tempting to blow your pay living it up, just because you can. But there is no reason why you can’t enjoy the fruits of your labour as well as doing some of the sensible stuff that comes with being an adult, giving you the best chance of a great lifestyle further down the track.

Here are a few TOWER products that can help you in this exciting time of your life:

Looking after yourself, and your new purchases

Part of the excitement of a new job is a new salary, and the opportunity to buy things you’ve only dreamed of before. Those dreams could be shattered if you don’t protect your purchases, so here are some considerations that might help take the stress out of life.

Contents Insurance TOWER Provider Contents Super Thrifti Protection Policy is our insurance for those like you, just starting out. If you’ve only got a few possessions or only want to spend a small amount of your budget on insurance, then this policy can help you. If you’ve splashed out on some big purchases, like a smartphone, TV or a corporate wardrobe, you’ll want to be able to claim for them if something happens. Find out more >>	Cover4Car Cover4Car is our car insurance policy you can buy online. With options ranging from Third Party Only (only covering the cost of repairs for the other car if you cause an accident) to Full Cover (also covering the cost of repairs for your car), you can choose the option that suits your budget and provides the level of protection you want. Find out more >>	Cover4Travel Cover4Travel is our online travel insurance policy and is an essential travel item for when you start to travel the world. Whether it’s a long weekend spent shopping in Australia, a week relaxing on the beach in Fiji or a longer excursion through Asia or Europe, you can’t afford not to be protected. Don’t let delayed flights, lost luggage or injury ruin what can be a life-changing experience. Find out more >>
Life Cover Life Cover probably isn’t something you’ve considered before as someone young and healthy, but getting a small amount of cover now could be the best thing for your future. If you wait until you are older and have developed some health conditions you may find you can’t get cover, or may need to pay more for your insurance. Find out more >>	Income Protection Cover Income Protection Cover is insurance that helps protect your income. If you were off work due to serious illness or injury then income protection could kick in after a wait period and pay a percentage of your salary to help you get back on your feet and back to work. You want to focus on your recovery at this time, not how you’ll pay the rent or other daily expenses. Find out more >>	Health Insurance Premier Health™ is our health insurance product that can be tailored to meet your needs. You can probably cover your infrequent GP bills, however as an example, if you were faced with the need for surgery how would you pay these bills? With Premier Health™ you can select the options important to you to create your own health insurance plan. Find out more >>

Looking after your future

There are likely to be many goals you want to achieve in life, and although it seems quite far away, you probably also have an idea of how you want to spend your retirement. By saving a bit of money each pay, you have the ability to generate a considerable amount to help you achieve these goals and live the lifestyle you want. Whether your goals are short, medium or longer term, TOWER has a range of investment options to help you achieve what you want in life.

TOWER KiwiSaver Scheme

The TOWER KiwiSaver Scheme is a great option for people starting out in their careers. By signing up at the earliest opportunity, you can maximise your personal and any employer contributions, as well as benefit from the government kickstart and annual member tax credits, subject to qualifying criteria.

Find out more >>

Saving and Investments

Savings and investment options can be a bit bewildering, but there is an option for every kind of investor, even new ones! The first step is to define what type of risk you are prepared to take, what your investment goals are and the timeframe you’re looking to invest over, then it’s just a matter of finding the product to suit you.

Find out more >>

Personal Wealth Management

The TOWER Individually Managed Account service is a personal wealth management system that is designed to be simple, flexible, and convenient for people who own a valuable investment portfolio and prefer to have a professional financial adviser assist them with taking care of it.

Find out more >>

Getting professional financial advice

Whether it is for your savings, investment, or insurance requirements, getting financial advice can be of real benefit in assisting you to refine the choices you will need to make and select the right options for what you aim to achieve. TOWER Financial Advisory Services is a network of financial advice professionals affiliated with TOWER. The network’s advisers can assist you with savings, investment, and insurance, and help review the commitments you may have already made.

Find out more about TOWER Financial Advisory Services here >>

Each individual is different in how they want to manage their finances and work towards their goals. To find out more about these or other insurance and financial requirements you’d like to talk to us about, call us today on 0800 379 372, open seven days a week, 8am-8pm.