Do you want to customise your ACC?

I work with business owners and contractors to optimise their ACC.

standard ACC Can Be risky

If you're self-employed, you're automatically put on the standard cover unless you change. Here's why that could be a problem:

Lower Payouts

Standard cover only pays up to 80% of what you earned last year.

Your ACC benefit and levy will change each year to reflect the change in your income.

If last year was slow, your payout will be smaller.

Harder Claims

You have to prove your income dropped before you receive a payment. That means providing profit and loss reports, timesheets, invoices and bank statements. Which can take months before you qualify for a payout.

Increasing Prices

The cost of your ACC is worked out based on a percentage of what you earn. So the more you earn the more you pay.

Currently, the ACC benefit is based on 80% of your declared IRD Income to a maximum of $152,700

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Alan Campbell - Financial Adviser

I have been helping contractors and business owners lock in better value, better certainty, and better protection for over 25 years. I advise on the full suite of protection options which protects both business owners and their families.

As a Financial Adviser specialising in insurance, I have access to all the major insurance companies, and my recommendations will be based on providing the most suitable insurance and ACC benefits that align with your need and budget.

ACC Optimization
Key Person Insurance
Loan debt protection
Mortgage Repayment & Income Protection options
Business Life Insurance
Trauma/Critical illness benefits
Medical Insurance

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Standard ACC Vs Optimised ACC

Only contractors and business owners can optimise their ACC.

For Everyone

Standard ACC

Cover

Uncertain Payout
Price Increases with your Income
Payout is Taxed
Need to prove financial loss to qualify

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For Contractors and Business Owners

Optimised ACC

CoverPlus Xtra

You Choose The Payout which is agreed with the ACC
ACC Levy Stays The Same
Payout is Tax-free
Don't Need to Prove a Financial Loss.

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Frequently Asked Questions

Our frequently asked questions section is designed to provide clear answers to common queries about our services, appointments and policies.

Why haven't I heard of this before?

Only registered tax agents (i.e accountants) and financial advisers can give advice on ACC

Is it more expensive than standard ACC?

That's the beauty of it. You can choose how much you pay. If you want to be covered for less you pay less.

How does it work?

We give you a quick call, provide a plan and then help you apply through the ACC website.

How are you paid?

There is no cost to get advice. I receive a commission payment from the Insurance company if you choose to obtain insurance. You will receive a copy of my Scope of Service, Disclosure Statements and a Statement of Advice (Recommendations) as part of my advice process.