Protect What Matters Most

Income | Mortgage | Personal & Business Protection

We help you secure your income, your lifestyle, and your future with tailored insurance strategies designed around what matters most to you.

Driven by real experience, Committed to Protecting your Future.

SO YOU'RE PROTECTED!.

Driven by real experience, Committed to Protecting your Future.

SO YOU'RE PROTECTED!.

We specialise in income, Mortgage and Business protection.

Why? Because your income is your biggest asset.

We specialise in income, Mortgage and Business protection.

Why? Because your income is your biggest asset.

What are you covered for?

You’re covered if you’re not able to work in your occupation due to ill health, if you lose your job through redundancy, or if you’re unable to work due to an accident.

Ill Health & Accident Cover

Income protection covers you for both accidents and ill health claims. You can’t claim ACC and certain types of income protection together. Although ACC is compulsory for all working New Zealanders, if you’re self-employed you have the option to elect your cover levels, whereas if you’re employed you cannot

Redundancy Cover

This cover is generally limited to a six-month benefit. If you lose your job, you’ll receive a replacement income for up to six months. If you already know your job is at risk, you won’t be able to take out this cover. If your company is nearing receivership or liquidation, most insurers will already have exclusions in place.

Accident Cover

If you’re employed, ACC will pay you 80% of your income based on your IRD information. If you’re self-employed, it depends on how your income is structured. ACC will pay based on your last annual return.

As ACC can be complex, it’s important you get advice on how to structure your policy properly.

What are you covered for?

You’re covered if you’re not able to work in your occupation due to ill health, if you lose your job through redundancy, or if you’re unable to work due to an accident.

Ill Health & Accident Cover

Income protection covers you for both accidents and ill health claims. You can’t claim ACC and certain types of income protection together. Although ACC is compulsory for all working New Zealanders, if you’re self-employed you have the option to elect your cover levels, whereas if you’re employed you cannot.

Redundancy Cover

This cover is generally limited to a six-month benefit. If you lose your job, you’ll receive a replacement income for up to six months. If you already know your job is at risk, you won’t be able to take out this cover. If your company is nearing receivership or liquidation, most insurers will already have exclusions in place.

Accident Cover

If you’re employed, ACC will pay you 80% of your income based on your IRD information. If you’re self-employed, it depends on how your income is structured. ACC will pay based on your last annual return.

As ACC can be complex, it’s important you get advice on how to structure your policy properly.

Products that we blend for maximum protection

We put together the right mix of cover for you:

Compact Protection Life Cycle
ON POINT
PROTECTION
Mortgage and Income Protection
Key Person Cover
Loss of Revenue
Total and Permanent Disability
Life, Trauma and Critical Illness

  • Mortgage and Income Protection

  • Key Person Cover

  • Loss of Revenue

  • Total and Permanent Disability

  • Life, Trauma and Critical Illness

"A simple conversation today can protect everything you’ve worked for.”

Here's how we work with you:

Our 6 Step Process

Our 6-Step Process

6 StepProcess

Step 1

Strategy call with you to discuss and understand your goals and demonstrate how the right insurance can protect this.

Step 2

We then analyze your gaps and needs, research the market to compare providers & quotes for a personalised cover.

Step 3

We then present our recommendations to you explicitly mapping out your protection plan.

Step 4

Once happy with the plan, we will assist you with the application and underwriting process with your chosen provider.

Step 5

We will seamlessly implement the finalized plan ensuring all covers activate correctly.

Step 6

We will conduct regular reviews with you to ensure you are adequately protected working with your changing circumstances.

Our 6-Step Process

6 StepProcess

Step 1

Strategy call with you to discuss and understand your goals and demonstrate how the right insurance can protect this.

Step 2

We then analyze your gaps and needs, research the market to compare providers & quotes for a personalised cover.

Step 3

We then present our recommendations to you explicitly mapping out your protection plan.

Step 4

Once happy with the plan, we will assist you with the application and underwriting process with your chosen provider.

Step 5

We will seamlessly implement the finalized plan ensuring all covers activate correctly.

Step 6

We will conduct regular reviews with you to ensure you are adequately protected working with your changing circumstances.

Step 1

Strategy call with you to discuss and understand your goals and demonstrate how the right insurance can protect this.

Step 2

We then analyze your gaps and needs, research the market to compare providers & quotes for a personalised cover.

Step 3

We then present our recommendations to you explicitly mapping out your protection plan.

Step 4

Once happy with the plan, we will assist you with the application and underwriting process with your chosen provider.

Step 5

We will seamlessly implement the finalized plan ensuring all covers activate correctly.

Step 6

We will conduct regular reviews with you to ensure you are adequately protected working with your changing circumstances.

Testimonials

Feedbacks From Previous Clients

TL
★★★★★

John has been extremely helpful and thorough with his work. John had made understanding of risk and... Read more

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KV
★★★★★

The process of getting life and health insurance was smooth and straightforward. The adviser walked... Read more

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SM
★★★★★

Highly recommend! It was very helpful !!! Thank you Letisha Tan (CA I Financial Adviser)!!! Read more

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RK
★★★★★

I highly recommend Letisha Tan from on point advice. She is extremely knowledgeable, efficient, quick to... Read more

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3T
★★★★★

Letisha has been so helpful with sorting insurance and a will for my mum. She clearly explained and... Read more

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EG
★★★★★

I met Letisha to review my Kiwisaver performance and to come up with a strategy to take me closer to my goa... Read more

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What client say about us

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Image

Darcel Ballentine

Barone LLC.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled.

Image

Leatrice Handler

Acme Co.

About Letisha Tan

Letisha Tan graduated from Victoria University, Wellington as a Chartered Accountant. After a stint in corporate, she realised her passion in helping people and started On Point.

She moved into insurance after experiencing her mum falling ill without the right protection in place. The emotional, mental, and financial toll on the family was significant.

That experience became the driving force behind her mission, to help you prepare for life’s unexpected challenges.

Having seen what happens without financial security, Letisha is committed to helping you protect your income, health, and future so you can focus on recovery without financial stress.

Don’t wait until something happens

Put the right cover in place today.

Don’t wait until something happens

Put the right cover in place today.

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