CJFS

CJFS, based in New Zealand, provides a range of insurance services, including life insurance, health insurance, trauma cover, total permanent disability insurance, income protection and mortgage protection, tailored to individual and family needs.

WHO WE ARE:

• We are a team of expert advisers dedicated to understanding our clients’ unique insurance needs and providing personalized coverage.
• Our approach is centered around building long-term relationships with our clients, founded on trust, integrity and transparency.
• With extensive experience in the insurance industry, we possess the knowledge and expertise to guide our clients through the complex process of selecting the right insurance products.

WHAT WE DO:

• We offer life insurance solutions that provide a lump sum payment to beneficiaries in the event of death, helping to cover funeral costs, debts and ongoing living expenses.
• Our health insurance options cover the cost of medical treatment, including hospital stays, surgeries and specialist appointments, reducing out-of-pocket expenses and easing the financial burden of healthcare costs.
• We also provide income protection, trauma cover and total permanent disability insurance to support our clients’ financial needs in the event of illness, injury, or permanent disability.

WHY CHOOSE US:

• We take the time to understand our clients’ goals and recommend the best insurance options to suit their individual circumstances.
• Our tailored solutions are designed to provide personalized coverage, giving our clients peace of mind for the future.
• With our expert guidance, our clients can navigate the complex world of insurance with confidence, knowing they have made informed decisions about their protection.

FAQ
1. What is the purpose of life insurance?
Life insurance provides a lump sum payment to beneficiaries in the event of death, helping to cover financial obligations such as funeral costs, debts and ongoing living expenses.

2. How does health insurance work?
Health insurance covers the cost of medical treatment, including hospital stays, surgeries and specialist appointments, reducing out-of-pocket expenses and easing the financial burden of healthcare costs.

3. What is the difference between income protection and total permanent disability insurance?
Income protection provides a monthly payment to replace a portion of income if unable to work due to illness or injury, while total permanent disability insurance provides a lump sum payment if permanently unable to work due to illness or injury.