Insurance Agent
Life Insurance
  • Life Cover is the simplest insurance in the world, someone dies, a death certificate is issued, the insurance company then pays the owner of the policy a sum of money.

  • Life Cover does have special features that need to be considered and managed i.e. funeral cover, terminal illness, and special event increases.

Doctor and Patient
Trauma Insurance
  • Trauma cover is designed to pay you a lump sum if you suffer from a condition covered in the policy. Basic polices may cover you for 10 conditions, comprehensive policies covering you for up to 70.

  • The vast majority of claims for this policy get paid for 5 key conditions: Cancer, Heart Attack, Heart Bypass, Stroke, Kidney Failure.

  • Trauma cover often has a built in or optional children benefit. This can offer great value for large families as cover extends to all children under 21.

  • Trauma cover has a number of special features and considerations such as buy-backs, stand-downs, and exclusions. The choice of policy if important.  

Working From Home
Disability Insurance
  • With total permanent disability (TPD), we can insure you for a lump sum amount if you are so disabled that you will never work in your own occupation ever again.

Business Meeting
Income Protection Insurance
  • Income protection replaces a percentage of your income when you cannot work due to a medical or injury reason. 

  • Income Protection can provide 75-80% of your in the hand earnings to you at claim time.

  • Most policies today have a range of options and different flavours. There are options to insure based on your mortgage payments aand more recently rent payments, if this works out better than a % of your actual income. 

Taping a shoulder wound
Health Insurance
  • Health or Medical Insurance covers the costs of care should you require medical assistance. 

  • In general terms, there are 6 areas of medical expenses for insurance to consider, Emergency medicine, GP & Prescription costs, Dental & Optical costs, Medical Specialists & Diagnostic Testing, Hospitalisation, surgical & non-surgical, Medical treatment & costs incurred while traveling

  • There are often exclusions when the medical care can be provided in a reasonable timeframe by the public healthcare system. In addition there is often an "excess" payable to make a claim. 

Office Meeting
Other Insurances
  • Redundancy Cover

  • Accident Cover

  • ACC Management Services

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James Dellow: FSP No. 476666. A disclosure statement is available upon request and free of charge.

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If you have a complaint about our service initially please contact James Dellow on ph 027 587 0099. Alternatively you can contact  Financial Services Complaints Limited by emailing, calling ph 0800 347 257, or in writing to PO Box 5967, Wellington 6145.