Copyright 2011 © ADVOCO Mortgages & Insurance Limited
0800 ADVOCO (0800 238 626)
Business Continuity Insurance
Key Person Protection Insurance
ADVOCO home page    email ADVOCO    contact ADVOCO    about Steve McGowan     Home Loan Mortgage Calculator    Risk Insurance    Website links
Call us free on
Life InsuranceBusiness Life Cover

While many New Zealanders live to a ripe old age, nobody's future is guaranteed. One in nine females and one in six males over the age of 30 will die before the age of 651. With TotalCareMax Life Cover, you can protect your business from the financial problems that could occur if you were to die prematurely.

1. Statistics New Zealand, 2004, NZ Life Tables, 2000-02

Benefits of TotalCareMax Business - Life Cover
   • Provides a lump sum if you or a key person insured dies. The money can be used to reduce business debt or replace income that would have been generated by the insured.
   • Up to 100% of the Life Cover benefit can be paid if you or a key person is diagnosed as being terminally ill, and are likely to die within 12 months of the diagnosis. The Life Cover benefit is reduced by the amount of any terminal illness benefit paid.
   • We'll pay up to $1,500 for professional financial advice, to ensure you get the most benefit from a lump sum payout.

*Sovereign’s standard terms and conditions apply.

Benefits you can add on
  • You can add Business Safeguard, which, under certain circumstances, allows you to increase your cover level up to $10 million or three times the original Life Cover amount (whichever is less), without further medical evidence.

Accidental Death Cover
Accidental Death cover is an insurance policy that pays a lump sum if the life assured dies in an accident. It excludes death caused by illness or suicide.

Note: When insuring a key person other than yourself, it is important that you, as the business owner, retain ownership of the policy, if you want the benefit to be paid to the business and not to your key person.

Disclaimer: The availability of any insurance cover is subject to your application being approved. For full details, refer to the policy document which is available on request from Sovereign. Applications are subject to individual consideration. Special conditions, premiums, maximums and exclusions may apply.


Steve has made it possible for our family to growth wealth and safeguard ourselves with the right insurance package...
- Gary & Lois Birkett

Steve spent time with me working through my insurance requirements and making changes and recommendations. His communication with the underwriters and myself was excellent...
- Bryce Frewin

When you need personal insurance advice to protect your loved ones, life, health and mortgage, then the insurance brokers/advisers
at ADVOCO will get you covered...

ADVOCO - Latin for
- "to call an adviser".

So call an Adviser now
on 0800 238 626


>> Make a claim...more

Gregor Mansfield
Insurance Adviser
Income Protection Insurance