Personal and Business Insurance


First Capital Risk will help you protect the things that matter most by sorting out the best insurance solution. We can help with:

Life Insurance

Ensuring you and your loved ones will be financially sound after your death or if you are a struck down by a terminal illness. Life insurance will allow your dependents to pay off debts, cover funeral costs (which can be surprisingly sizeable) or provide ongoing living expenses for your loved ones.

Total and Permanent Disablement Cover

In the unimaginable situation that you might become totally and permanently disabled, this insurance will pay a lump sum you can use for any purpose. Most people use it to pay off the mortgage or for home alterations or medical expenses. A permanent disability can often be more financially devastating than death.

Income Protection

Your income is your most important asset. If your income stopped today how long could you survive on savings before it became a problem. If injury or illness should stop you from working, income protection can help you avoid a significant financial loss. Income protection is a good idea as it pays a regular income that could help pay the mortgage, day-to-day bills and help you and your family to maintain a decent standard of living.

Trauma Cover (Serious illness)

This pays a lump sum if you suffer a heart attack, stroke, cancer or a number of other serious illnesses. The impact of a serious illness can have a major effect on family finances. This cover is designed to get you through that period by providing immediate funds to use as you need.

Medical Insurance

This allows you to choose private medical care at a time and place that suits you, meaning you and your loved ones can get the treatment you need without lengthy waiting times or hefty bills. Refer to the Medical Insurance tab for further info.


The loss of a key person, or a major shareholder, could happen for a number of reasons including
resignation, retirement, ill health or even death. The impact on the business be catastrophic. Planning ahead and managing these risks is all about creating CASH, CONTROL and CERTAINTY at a time when the business needs it most.

Key Person

For many businesses in New Zealand, success relies on key people – often the owner/manager. So what happens when that person becomes seriously ill or worse, dies.

Losing a key person through death or illness can be an enormous blow to a business and its shareholders. Ensuring the business’s stability is paramount – which is why it makes good sense to invest in insurance for your key people.

We can review your business structure and develop a plan to protect your business should the worst happen. We’ll work with you and your accountant/solicitor to ensure that in the event of a claim proceeds are there to be used as you intended.

Shareholder Protection

Would you be happy to be in business with your deceased partner’s widow’s second husband’s lawyer? If the answer is no then where are the funds going to come from to buy the shares of a shareholder who has had an unplanned departure.

If your business lost a major shareholder, you may need to consider whether the remaining owners would be in the position to buy out their shareholding. A business has the best chance of surviving financially if you’ve taken the time to plan and protect against unexpected events such as these.