Mike Pero Income Protection

For over three decades, Mike Pero Mortgages has been deeply ingrained in New Zealand's property and financial landscape, boasting an unparalleled understanding of the field.

Their presence spans the entire nation, covering every city, suburb, and town from the northern tip to the southern end. With a resounding impact, Mike Pero Advisers facilitate more than $1 billion in loans for New Zealanders annually, aiding countless homeowners and investors in realising their financial aspirations.

The brand's distinction as a household name is unsurprising, underpinned by their reputation as New Zealand's most reliable mortgage brokering entity. Backed by local Mike Pero Advisers, individuals are empowered with tailored advice and unwavering motivation to accelerate their property ambitions.

The value of Mike Pero’s expert advisers

For those navigating the intricacies of mortgages, insurance, or personal loans, the expertise of a broker proves invaluable amid a multitude of providers and products. Enter the Mike Pero Advisers, equipped with an extensive network of providers and an acute understanding of client's needs and future objectives.

Armed with up-to-the-minute market insights, these advisers negotiate with diverse providers to secure optimal solutions. Leveraging the innovative Spark platform, every Mike Pero adviser streamlines the application process, addressing even the most complex queries instantaneously.

Operating at the customers' convenience, these advisers assist Kiwis daily in identifying suitable financial options. As a tribute to their deep commitment to the community, Mike Pero Mortgages actively supports a range of local partners, underscoring their dedication to causes that give back. Sponsoring sports teams, schools, events, and charitable initiatives, Mike Pero extends its influence to uplift New Zealand in various impactful endeavours.

Insurance for all your most valued possessions

Insurance is a crucial safeguard for life's uncertainties. It provides reassurance, protecting what matters most to you and ensuring stability in your life. Embracing the right coverage prevents disruptions and allows you to face unforeseen challenges with confidence.

Everyone wants to provide the best possible outcome for their loved ones – that’s why you work hard to buy a house, cars, and other nice things. It’s also why you want to be able to protect your hard-earned possessions with income protection insurance for when your income is compromised.

They’ll collaborate with you to discover the optimal insurance solution tailored to your unique needs. That way you’ll have the right income protection insurance coverage giving you complete peace of mind.

Amid life's uncertainties, income protection emerges as a crucial shield, safeguarding your financial stability.

The need to sustain ongoing commitments takes on heightened importance, particularly if you're supporting a family or possess property investments. Mike Pero Mortgages, collaborating with a diverse network of providers, stands ready to offer comprehensive protection for you and your loved ones in these scenarios.

Disability coverage for a secure lifestyle

Imagine the repercussions of an unforeseen accident or illness disrupting your earning potential. The implications ripple across partners, children, businesses, homes, and lifestyles. Would you be equipped to manage mortgage payments, monthly bills, and educational expenses? Acknowledging life's inherent risks underscores the value of safeguarding your most cherished asset: your earning capacity.

Accessible to both employees and the self-employed, Mike Pero Advisers can outline additional policy benefits that extend to rehabilitation, occupation re-training, and replacement labour. Moreover, if required, coverage can extend to ongoing business expenses for a specified duration.

Agreed value vs. indemnity protection

The choice between agreed value and indemnity cover offers distinct advantages. Agreed value policies ensure a predetermined monthly benefit, often equivalent to around 55% of your income. This option provides clear claim expectations, making it preferable for those with well-documented earnings.

Conversely, indemnity policies yield a monthly benefit of 75% of your immediate pre-disablement earnings. This alternative is often embraced by self-employed individuals who might encounter challenges in providing immediate income details during policy initiation.

Personalised advice for optimal coverage

The path you choose hinges on your individual circumstances. Guided by your dedicated Mike Pero Adviser, your unique situation will be evaluated to recommend the most fitting coverage.

Guarding against unforeseen redundancy

Redundancy can strike when least expected, underscoring the importance of proactive financial readiness. Engaging a Mike Pero Adviser can help you safeguard mortgage payments or secure up to 40% of your gross income (whichever is greater) should involuntary job loss occur.

Comprehensive solutions tailored to all

Mike Pero's expansive network encompasses a variety of mortgage protection insurance providers, catering to diverse income profiles. Connect with an adviser today to explore a range of protective solutions tailored to your circumstances, ensuring a secure financial future.