When it comes to your future we are here to protect that which you value most

Insurance Services

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At Tourelle Lifebrokers we shop the top seven highly-rated life assurance companies to be sure you have the most comprehensive coverage at the best possible premium rates.

Our extensive knowledge (35 years industry experience) in setting up a variety of business life insurance policies can help your company attract and retain quality employees.

Call us today to see how we can save you money with your business and ACC insurance needs toll free on 0800-865-855.

Business Insurance

Key Person Assurance

The loss of a key person within an organisation can be a devastating blow to any business leading to serious financial problems to the company.

By putting in place key person assurance the cover is designed to provide a capital injection into the business upon the total long term disability, total and permanent disability, terminal illness or death of director/shareholder or sole trader of the business.

Loss of Revenue Protection

Any employee who makes a significant contribution to revenue (cash flow) and profits is likely to be a key person for example a key salesperson or a technical expert, as well as company directors and executives.

Loss of revenue cover provides an agreed monthly revenue replacement benefit when a key employee, sole trader, company director or shareholder is disabled, either partially or totally disabled.

Farmers Disability

Risk management for farmers. We maintain lifelong relationships with our clients (we’ve worked with farmers for three generations so far) and being personally available to handle the claims process, the moment something goes wrong. 

Our priority? To ensure that your family and the farm are well taken care of should you no longer be able to work.

See our "5 things you should know about your insurance plan"

Co-Shareholder Assurance

For a successful company who has seen the company shares increase over a period of time as the company has grown, the loss of a director and shareholder can be financially devastating.

An insurance funded buy and sell agreement is a means of creating cash exactly when required for the ongoing shareholder to purchase a deceased or seriously disabled shareholders interest in a business.

A buy/sell agreement ensures that the cash is used as intended. The document can include an agreed price, and how the price is determined.
Co-shareholder/partnership protection is designed to provide a predictable outcome in the event of a crisis, and the smooth handover of control and ownership shares in a company upon death, disablement or severe illness of a shareholder

  • Control of the business is retained by those in the business
  • The family of the deceased/disabled business owner are treated fairly and reasonably financially

ACC Cover

Save up to 50% of your current Directors or Shareholders ACC bill.

As agents for ACC we can access your current levies to determine the correct code and also structure to ensure you get paid at claim time.

Only one in eight SME's (small medium enterprises) have the right level and structure of ACC.

Group life - Employee Benefits

Group life cover is very attractive to potential employees who may be in poor health now, or have an unfavorable medical history that prevents them from qualifying for affordable life assurance or any life assurance at all.

Many companies offer employees group life, disability and medical benefits in their employment package to attract and retain quality employees.

For employees who fit this profile, they are guaranteed to be accepted for life and permanent disability cover. An uninsured applicant will want to work for a company that offer group insurance as part of their employee benefit package. You can insure the employee's salary for 3 or 5 times their annual salary. Portability is an important feature many employees will look for. Portability gives you the option for the insurance cover to continue if you are terminated, resign or retire.

Family Insurance

Life Cover

Life cover provides a lump sum payment in the event of death. This lump sum can help reduce debt, pay for financial expenses, create an investment fund to generate ongoing income, enable business ownership to be restructured or provide an inheritance or donation, amongst other things. The purpose of the funds is entirely yours to decide.

Life income provides a financial safety net for your surviving dependants in the event of death. This monthly benefit is designed to help replace your lost income and to cover the on-going costs of any lifestyle changes that may arise in the event of death.


Trauma Cover provides a lump sum payment should you suffer one of the 42 covered conditions, such as cancer, stroke, heart attacks, loss of limbs, intensive care benefit, major head trauma etc..

Covered conditions by nature are serious and potentially life threatening and, as a result can have a significant financial impact. Trauma Cover is designed to help alleviate this financial impact. The lump sum can help reduce debt, purchase specialised equipment, pay for additional care, create an investment fund to generate ongoing income, or enable business ownership to be restructured.

The purpose of the funds is entirely yours to decide.

Income & Mortgage Protection

Income Protection provides a financial safety net should you be disabled as a result of sickness or injury, and unable to earn your regular income. The monthly benefit is designed to replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery.

Mortgage Repayment Cover
provides a financial safety net should you be disabled as a result of sickness or injury, and unable to meet your mortgage repayments. The monthly benefit is designed to cover mortgage repayments on your behalf during treatment and recovery.

Medical Insurance

Private medical cover provides the funding to enable you to have private medical treatment whenever you require more immediate access or a broader range of treatment options that are available to you through the public health system.

Private medical insurance is the only solution to avoid long public waiting lists. Allows you to choose where you have the treatment, when you have it and who provides the treatment.

  • Surgical treatment (maximum limit $300,000)
  • Non-surgical treatment ($300,000 limit)
  • Major diagnostic costs ($200,000 limit)
  • Public hospital grant ($300 per day maximum 10 night's stay)
  • Non Pharmac drugs subsidy
  • Medical tourism benefit
  • Australasian treatment

General Insurances

Home contents, Motor vehicle, Marine, Business, and Industrial, Farm, Transport, Forestry, Liability, Livestock and Aviation cover.

Through association with Rothbury Insurance Brokers all commercial and domestic insurances can be arranged. Rothbury are nationwide with brokers throughout New Zealand.

If you want advice or a quote for these types of insurance, phone 0800-865-855 and we will refer with confidence to a local broker in your area.

Claim Management

We are very passionate about what we do for our clients. We are 100% fully behind our clients at claim time. When it comes to claiming on your insurance you will most likely be under a great deal of stress. Rest assured Tourelle Lifebrokers will do the running around to ensure that claiming is as stress free as possible.

We will deal with the insurance companies on your behalf making sure you get paid what you are due as soon as possible and with minimal stress. We service a client data base from Kerikeri to Marton and we will travel and assist all our clients at claim time.

We differentiate ourselves from the banks and other advisers in the industry by pledging our commitments and following through with actions for clients when a claim arises.


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