Couples

Being in a serious relationship is often the cause of much joy and can be a sign of many big milestones to come – like marriage, a mortgage and children! It’s easy in this exciting time to get carried away and forget about some of the basics you should cover in your lives together, such as protecting what you have, and planning for the costs you’ll face in the future.

Here are some options to consider as you build your future together:

Protecting your health and lifestyle

Many of us don’t consider that our health can be our biggest asset. It gives us the ability to earn an income and live life the way we want. Here are some products to consider which can help get you back on track if something unexpected happens:

Mortgage Repayment Cover

Mortgage Repayment Cover is an important consideration when buying a home. It can help cover mortgage repayments if you become disabled and can’t work, and when added onto our Life Cover product – which can provide a payment to your family to help pay the bills once you’re gone – can help provide a comprehensive policy.

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Health Insurance

Premier Health™ is a flexible health insurance product that can be tailored to suit your needs and budget. The Base Cover provides broad coverage for surgical and cancer treatment and you can select from our additional options to get assistance for other costs, such as our Specialist Option which could help pay for specialist consultations if you or your partner were to become ill.

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Income Protection Cover

Income Protection Cover is essential cover for couples, as money can be tight while you set up home, commit to a mortgage or even while just living your lives. If something was to happen which meant either partner was off work for a length of time due to illness, you’d want to be able to help your partner back to recovery and work.

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Protecting what you have

At this stage in life, you will probably start to surround yourself with a few more expensive belongings and treats, and perhaps an upgraded car. You won’t want to say goodbye to these hard earned assets if something was to happen, so insuring these, as well as one of your biggest assets – your health and ability to work – can help reduce stress and let you get on with enjoying life.

Car Insurance

TOWER Motor Vehicle Policy Tailored Protection is a broad car insurance policy that gives you the ability to pick and choose the cover that you want. When upgrading your vehicle, you’ll want the assurance that if anything goes wrong, you would be protected. With a policy that already provides broad cover, then lets you add on optional features that can help reduce your premium, it could be the ideal option for you.

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Contents Insurance

TOWER Provider Contents Maxi Protection Policy is a must to insure your belongings – and if you’re moving in together for the first time, you may find you have a lot of them! Once you’ve decided what to keep in your home and what you don’t need nearby, you can choose to take advantage of the policy’s optional ‘Contents in storage’ benefit.

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Travel Insurance

Cover4Travel is our online travel insurance product, and perfect for when you have two incomes coming in and have some spare money for an overseas break. Don’t let lost luggage or a broken arm stop you from marvelling at the world’s sights and having a great time together. Get travel insurance, be prepared and have a ball.

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Planning for your future

It’s easy to live in a blissful bubble when you’re a couple, but thinking ahead and planning for the future now can mean your happy, contented life continues long into retirement. TOWER has some retirement lifestyle solutions that can help:

TOWER KiwiSaver Scheme

The TOWER KiwiSaver Scheme can assist you to save for your retirement nest egg. The earlier you start retirement saving, the better the position you’ll potentially be in by the time you choose to retire. Alternatively, if you’re saving for your first home, then the TOWER KiwiSaver Scheme may be able to help via the first home withdrawal benefit and first home deposit subsidy available to KiwiSaver members, subject to qualifying criteria.

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Savings & Investments

Savings and investments are a great way to increase your wealth, and carefully investing an amount you can afford could mean the difference between a second hand wedding dress or the lavish affair you’ve always dreamed of. There are a range of investment options depending on your risk preferences, and your goals. If you’re wanting to save for a new car in a few years time, or a late in life OE for when you’re 50, you can select an investment option that suits you.

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TOWER Individually Manages Account Service

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.

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Getting professional financial advice

Financial Advice is a good idea when you’re making decisions about savings, investment, or insurance. It can get a bit overwhelming having to choose between all of the different options available to you and trying to identify which product or service best assists with meeting your personal needs and objectives. Talking with a professional adviser affiliated TOWER Financial Advisory Services can help you to focus on what is really important and avoid making mistakes in your financial commitments.

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If you want to talk more about what products you need to consider at this time of your life, contact us today on 0800 379 372, open seven days a week, 8am-8pm.