Buying a home is a big responsibility. And it’s commitment that affects not only you, but also your family. The last thing you'll want to see is your home slip out of your hands if for some reason you can’t meet your repayments. 

What would happen if you were unable to work for a period of time or worse still, were no longer around? Would you have the resources to keep paying off your home loan, and safeguard your family’s future? Mortgage insurance can give you peace of mind in situations such as these. 

Life Cover – Provides a lump-sum payment if you die, which can allow your family to repay the mortgage in full, depending on the level of cover. 

Trauma Insurance – Pays a lump sum if you are diagnosed with a defined critical illness, such as heart attack or cancer, giving you the option to pay off some or all of the mortgage and maintain your lifestyle. 

Redundancy Cover is available on certain policies and provides cover for your monthly mortgage repayments for a fixed period of time if you are made redundant. 

If you have a mortgage in New Zealand, it’s a good idea to protect yourself against all eventualities with mortgage protection insurance. SHARE advisers can offer a number of ways to ensure your home stays in your hands.