Your staff is your most vital asset.  You spend time and money training your employees, so make that investment go a lot further with well-priced group cover.
This covers Medical Insurance, risk management, shareholder protection and income cover.

Your most important asset is NOT your home, your car, your jewellery or other possessions — It’s YOU and your ability to earn a living. Think about it: All of your plans for the future from buying a home to putting your kids through college to building a retirement nest egg are based on…


Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? That’s where income protection comes in. Think of it as insurance for your paycheck. It ensures that if you are unable to …


If you’ve worked hard to establish a solid financial framework for your family investments, home equity, a savings plan, retirement accounts life insurance is the foundation upon which it all rests. It can guard against the need for your loved ones to make drastic changes to future plans when …


Chances are that day will come when you won’t be able to manage on your own. The good news is, people are living longer. However, that increases the chance that you will live to the age where you will need medical care. Medical care includes all the assistance you would need …

Protect your business values, business debts and separate business and family equity.
There is a comprehensive range of covers that provide financial support in a variety of situations; the plan allows you to mix and match many covers.
Income Cover

Income Cover provides a financial safety net should you be disabled as a result of sickness or injury, and unable to earn your regular income.  The money benefit is designed to replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery.

Unable to work:  Income cover pays a monthly Total Disability Benefit if you are disabled and unable to work, from the end of the selected waiting period until you return to work or the end of your cover term.  You may be entitled to a Partial Disability Benefit if you go back to work but you are not able to work.

Shareholder Protection

Shareholder protection insurance provides a lump-sum payment in the event of a shareholder becoming critically ill or passing away.  This capital would help your company purchase the deceased or critically ill person’s share of the business and avoid potential disruption to the services you offer.

The lump-sum cover protects business debts, shareholder values and business values.

If the key person in the business is unable to work over a long time, the lump sum funds will help the business survive creditors, bank loan repayments, share values and business values.

Risk Management

Risk management is the forecasting and evaluation of a business’s financial risks together with the identification of procedures to avoid or minimise the impact of risk.


  • M. from Auckland
    On Mar 2018, my husband was diagnosed to have stage 4 Cancer, we felt our world has collapsed. Caroline and team has helped us to process a claim and to guide us in seeing various medical professionals, in communicating with us every week, to cook us nice soups in family events. We felt very supported by Caroline???s team. We appreciated that we have a great risk planning in place before everything happened. Medical professionals said we have a very good adviser and a very good insurer. Thank you very much from our hearts.
    M. from Auckland
  • Natalia from Auckland
    I feel happy and safe after acquiring an insurance policy with Caroline Liang. The story comes from a claim in an emergency which was on 30th Dec 2016. That same night, I have seen Caroline worked on this case from night until early in the morning. She has solved the life threating emergency claim case. Caroline???s spirit and passion are very valuable to me and my family. Caroline helped my family through the most difficult time in our lives. We strongly recommend Caroline on her professionalism, positive attitude, efficient service and patience. A great thank you Liang Yan Caroline, you let us know the true meaning of insurance!
    Natalia from Auckland