Keeping you prepared for even the most unexpected events, no matter where you are along your financial journey.


Let’s face it, life can be a risky business; the unexpected does happen. The last thing you want when something upsetting or potentially life-changing happens is to have to deal with all the financial costs that come along with it.

With the average Kiwi underinsured by close to 50% of the amount needed, most people aren’t prepared for if the worst should happen – and that could leave you, and your family, seriously vulnerable.

Risk management is all about covering those moments and protecting yourself, your assets and your business from potential setbacks.

Whether you’re just starting out your career, responsible for your family, or well on your way to retirement, you need to ensure that you’re covered.

With specialist advisers available no matter where you are in the country, we’re here to help you make an informed decision about the insurance you need to avoid any nasty surprises in the future.

Prepare for the unexpected. Call us on 0800 543 384 or enquire online today.

Insurance Services

Life Insurance

Sooner or later, we’re all going to pass away. There’s no point hiding from it; it’s a reality of life. When your family are dealing with the heartbreak of losing a loved one, the last thing they need is to be dealing with financial challenges. Luckily, your death doesn’t have to harm your family financially.

In the event of an untimely death or terminal illness, life insurance can provide a lump sum payment to your family, to ensure that they will be provided for beyond your passing. You can rest assured that your death wouldn’t mean the end of your care for your family.

We also provide a bereavement support benefit – an early payment to ensure that your loved ones can afford the costs of your funeral. Funerals can be extremely expensive; a bitter pill to swallow in the best of times. We can help ease those costs.

This means you can live with peace of mind that your death won’t be a burden on the people you care about. One of our specialists will be happy to discuss the details with you, and get you set up to eliminate the stress of what the future may hold.

Critical Illness Trauma Cover

We live in a world of advanced science and medicine, but illness still occurs. If you were to suffer from cancer, stroke, or heart disease, you’d be forced to worry about not just your body, but your finances as well. The burden of caring for yourself while unable to work is a doubly painful blow.

We’re here to ensure that this doesn’t happen. Our specialists can provide you with a policy to provide a lump sum in the event of a pre-defined critical condition, making sure you have enough money to take care of yourself.

The world of medicine is an extremely complicated one, and it is easy for blanket policies to be full of loopholes that other companies may use to cut you out of the money you’re owed. Here, we take a different approach.

You can discuss with our specialists exactly what medical concerns you’re afraid may come up in future, and a plan will be created to take care of that.

If you want to ensure you’ll be covered should your health take a hit, call us on 0800 543 384 or enquire online today.

Total Permanent Disablement

Whether it’s a workplace accident or an unexpected incident in day to day life, there’s always the risk of becoming disabled permanently. If this happened to you, it could be devastating to your livelihood.

To ensure that you and your family are still well-cared for, we’ll set you up with a lump sum payment to be paid in the event of total and permanent disability. This payment also extends to permanent illness which prevents continued work in your profession.

This will ensure you can maintain a high quality of life, and avoid harming the livelihoods of those around you.

Our specialists are available to discuss details with you, and help you arrange your coverage in the event of disability. With a simple, quick meeting, we can get you set up to take away at least one of the stresses you would face should you become disabled.

Make sure you’re covered – call us on 0800 543 384 or enquire online today.

Disability Income Protection Cover

It is possible that in day to day life that you will become disabled enough that regular work on the scale that you are used to becomes impossible. While you may still be able to do some work, it can make surviving almost impossible, as your income will be drastically reduced, while your living costs rise.

Our team are happy to set you up with Disability Income Protection Cover. If you can only work for ten hours a week or less, you could receive a monthly payment equivalent of up to 75% of your pre-disability income. This will ensure you can maintain the same quality of life you had before your disability.

For any clarification needed, contact our specialists. They can answer any questions you might have, and provide you with the advice you need.

The process will be hassle free, and you’ll soon be able to comfortably go on living your life, knowing you have a safety net if needed.

To protect your income no matter what happens, call us on 0800 543 384 or enquire online today.

Health Insurance

Health insurance is an absolute necessity in this day and age. With long waiting lists and lack of many drugs and treatments in the public health care system, it’s vital that you and your family will have immediate access to the best care available in the event that health problems strike.

Here at Centastone, our specialists are happy to discuss a variety of health insurance plans with you, ensuring that you have what you need.

Depending on your needs, we’ll make sure you’re covered for everything from surgery, cancer care, diagnostics and potentially even day-to-day medical care like GP and optometrist visits. You’ll be able to rest easy knowing that the financial burden of health is not on your shoulders.

We understand that your time is precious, so any appointments you have with us will be quick, and simple to follow – you might even say the whole operation will be painless! We’ll get you set up with the cover you need to allow you to live life without the concern of medical bills.

For all the medical cover you need, call us on 0800 543 384 or enquire online today.

Key Person Protection

In business, you get used to expecting the unexpected. Sometimes, disaster strikes, and a key member of your team may fall ill, be injured, or even die. While undoubtedly there will be concern for the team member, practicality also means you must keep your business running without them. That’s where we step in.

With Key Person Protection, in the event that a member of your team is forced by circumstances beyond their control to leave work, we‘ll help you keep things running smoothly.

A lump sum payment will be paid to your business to cover any costs that may accrue without that team member, while they either recover, or while you search for a replacement.

If there are any details that need to be ironed out, our people-focused specialists are keen to speak with you or a company representative. To ensure that your company doesn’t fall apart at the seams if a key member is forced to leave, we’ll make sure that your Key Person Protection will ensure you can keep operating efficiently.

For protection to ensure that your company will survive someone’s loss, call us on 0800 543 384 or enquire online today.

Business Continuity

As a business leader, you’re vital to the success of your company. Sometimes, you might be unable to work regularly due to injury or illness, or a loyal member of your company may suffer the same problems.

This can undermine the advancement of your company, and lead to greater hardships all around. To prevent this, we’d advise Business Continuity Cover.

A monthly benefit payment to your business will help keep it running in the event that you or any key employees are forced to work only 10 hours or less by medical concerns. Business Continuity Cover spares you from needing to replace an employee whose sole fault is a medical issue beyond their control.

If you’re concerned about the loss of company viability due to medical concerns for yourself or another employee, our specialists are here to speak to you face to face – making sure that you get exactly the plan that your company needs.

For peace of mind and the knowledge that your business will endure, call us on 0800 543 384 or enquire online today.

Start Up Protection

All businesses start somewhere. But as they are struggling to their feet, a business is vulnerable – liable to an early failure if even the slightest thing goes wrong. And with a quarter of new businesses failing in the first three years, starting a new business can be a scary prospect.

Our Start Up Protection can help. We’ll provide a fixed monthly payment if you become disabled and unable to work, to ensure that your business can stay afloat in its early days. A payment like this could easily save your business in the event of an unforeseen crisis.

Unlike most companies however, we go one step further. We see the potential in small businesses, and want to help them grow. As such, no evidence of financials are required when getting Start Up Protection with Centastone.

So if you’re looking to start a new business but are afraid of something going wrong before you can get fully established, don’t worry. We’ll get you set up with a plan to ensure that your business remains viable even in the event of unforeseen medical disaster.

For security and start up support, Call us on 0800 543 384 or enquire online today.

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Call us on 0800 543 384 or email