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        Spratt Financial Services
      Spratt Insurance Brokers
Head Office
Level 1, Spratt Financial Centre
3 Morton Street
Auckland City
Phone 09 307 8200
Fax 09 307 8204
Mail Address
PO Box 99481
Auckland City 1149
Email: enquiry@sprattfinancial.co.nz
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Personal Insurance Services

Life Insurance

Life Insurance is designed to provide a significant payout to important people in your life if you should pass away. If you have a family or others that depend on your continued income, then life insurance is a necessity. Spratt Financial Services can provide you with more reliable and cost effective life insurance than you could find alone. We will also ensure that you have the right amount of life insurance for your circumstances, so that your family will be provided for and your debts will be covered.

Income Protection Insurance

It’s an unfortunate fact that a working couple in New Zealand has a one in three chance of one of its members suffering a critical illness before retirement. With Income Protection insurance in place, you can rest assured that your income will be protected and you can continue to maintain your lifestyle. The insurance brokers at Spratt Financial Services can assist you with establishing an income protection plan that will ensure both day-to-day expenses as well as costs associated with the disability are covered for you and your dependents. With us, affordable income protection is within your grasp.

Medical Insurance 

With Medical insurance from Spratt Financial Services, a variety of medical costs can be covered, ranging from local doctor’s expenses to emergency procedures. Moreover, medical insurance provides peace of mind for you and your family, allowing you to rest assured that if medical issues arise, they will be covered. Spratt Financial will also provide professional support for your claims and will always ensure you have the best medical insurance at the lowest price. Options we provide include:
  • Basic Medical Insurance cover (Hospitalisation, not including specialists and tests).
  • Specialist and Surgical cover.
  • Comprehensive medical cover including both of the above, GP visits and prescriptions as well as Optical & Dental.

Trauma / Critical Illness Protection

Trauma Insurance is a form of insurance that will provide you with a lump sum payout if you are diagnosed with specific serious medical conditions. Trauma Insurance can be critical to maintaining your lifestyle, as many illness can be long lasting disabilities which prevent you from working and earning a living. The Spratt Financial services insurance team can provide you with robust critical illness insurance protection that pays a tax-free lump sum on diagnosis of any one of a list of serious illnesses – including cancer, heart attacks and many more.

Mortgage Insurance

Mortgage Repayment insurance is a low cost and highly affordable form of insurance that will cover your mortgage payments in the event that you're unable to work. It provides a financial umbrella for anyone who is made redundant and does not have enough money to cover the gap. Simply put, if you are home owner, mortgage insurance from Spratt Financial Services gives peace of mind at a time when no job is 100% safe.

Permanent Disability Cover

If disaster strikes and a medical emergency happens which leaves you unable to work for a protracted period of time, permanent disability cover will help ease your financial strain. This type of cover involves a single lump sum payment upon disablement, to help cover you and your family's expenses during a trying time. Permanent Disability Insurance differs from Trauma Insurance in that it will pay out to you if you are permanently unable to return to your job, not upon diagnosis of a specific condition. As such, Permanent Disability insurance is significantly lower in cost. If you are unsure which is the best option for you, don't hesitate to ask our team anytime.

NEW! Fire and General Insurance

Spratt Financial is proud to announce that we can now provide reliable, affordable range of fire and general insurance to New Zealanders. Now, you have access to a full and complete range of insurance under one roof. Spratt Financial can offer you the best in:
  • Home Insurance
  • Contents Insurance
  • Vehicle Insurance (including car, van, truck and boat)
  • Travel Insurance
  • Pet Insurance

See for yourself - Get a free insurance quote!

For a completely free and no obligation quote on your insurance, simply use our contact form here. You could be surprised at how much you will save! If you have existing insurance, we can offer you a free review, as in many cases, you could be paying too much or have cover that doesn't fit your unique needs. If you have any questions you can also contact us by email at enquiry@sprattfinancial.co.nz or by calling 09 307 8200.