At PlusFour, we take a unique approach to providing you with the best insurance policy.

After rigorous independent research we present you with the top four policies that best fit your specific criteria - hence our name PlusFour. Then having selected the four we drill down to the number one option which best matches your needs, based on the benefits offered and value for money.

New Zealand Insurance Solutions

THE PLUSFOUR DIFFERENCE

Plus Four is dedicated to the detail and when it comes to insurance products, detail is everything. We are not aligned to any company and we are not aligned with any product. We know this industry inside out and our business is transforming the industry to benefit you.

Insurance is essential, but what is the right insurance product for you? And which policy wording benefits you. Insurance policy wording differs enormously product to product, let us ensure you get the right one.

PlusFour is a business designed to back you up. No ifs. No buts. Our entire business model has been crafted to deliver you the best insurance policy on your terms. We research all policies based on your requirements and we present you with the best four policies based on ‘wordings’. Detail means everything.

Our Portfolio covers Personal and Business Insurance including but not limited to

Life Insurance
PlusFour's approach is to ensure you provide those important to you with financial stability in the event of your death. This process is future proofed by utilising our unique 'no surprises' policy wording analysis. This is an area where you do not want to compromise!

Critical Conditions or Trauma Insurance
A heart attack or serious disease such as cancer are very traumatic events and you don’t need the burden of financial hardship on top of your recovery. Protect yourself and your family where you are most vulnerable and talk to PlusFour about our unique ‘no surprises’ policy research and recommendation process.

Income Cover
For most of us ‘income generation’ is our main daily focus and this alone provides our lifestyle opportunities. Protecting your income if an unexpected illness or injury occurs means you can maintain financial stability to recover and return to the lifestyle you and your family enjoy.

Mortgage Protection Insurances
From time to time, life hands out unexpected and unwanted surprises, but you can protect your family home and peace of mind quite simply by taking out Mortgage Protection Insurance. We understand that your family home is extremely important and we can assist you to ensure your mortgage repayments can be met come what may.

Medical Insurance
The reality is that no-one knows when a health problem may appear or how it will impact on our lifestyles and earning abilities. Health insurance is there to protect you against the unpredictable variations in your health costs and we’re here to find the very best policy to do just that!

KEY Person Insurance
Every owner-operator or partnership needs to be aware of their vulnerability and the vital protection offered by Key Person Insurance. The loss of a key person through illness or accident can immediately negatively impact the business, clients, suppliers, and place enormous stress on partners, staff and resources. At Plus4 we work alongside you to determine the most effective way to protect your business and wealth.

Disability Insurance
In the unlikely event that you become totally and permanently disabled, total and permanent disability cover pays you out a lump sum. These funds can and are used in a variety of ways such as retiring your mortgage and/or renovating your home to accommodate wheelchair access and to make everyday activities possible. If you are covered life can and will go on.