What Is NIINA?

There's more to insurance than life and endowment policies.

Currently, too little attention is given to important risk management aspects of insurance, such as medical and disability coverage. It is important to guard against illness or disability, and to provide for your family's living expenses should the unfortunate happen to you.

NIINA is a proprietary system that assesses your personal risk management needs with your investments plans. Because your investment and protection needs are linked, NIINA delivers answers on protection needs, always taking into account your available investments and savings.

NIINA's comprehensive risk protection is sub-divided into 6 key areas:
1.  Hospitalisation
2.  Critical Illness
3.  Total Permanent Disability
4.  Death
5.  Vocational Disability
6.  Long Term Case

NIINA
Major Risks Distribution - Typical

NIINA is incredibly cost-efficient because it distributes scarce $ to different areas of protection accurately. Remember if you are over insured for, say, long-term care you cannot use this for critical illness when you need it!

How Does NIINA Work?

NIINA assesses your financial concerns at the various stages of your life e.g. as a single adult, married with children, and when you retire. For maximum protection and cost efficiency, our Financial Planners help you develop strategies and select the most appropriate combination of products to maximise your protection and investment returns at the lowest cost.

We provide clients with a safety net. You are ensured minimum out-of-pocket expenses in the event of hospitalisation. You can also expect coverage for 39 major illnesses, more than any single standard critical plan can offer.

In addition, NIINA dynamically re-calibrates your insurance needs as you progress in life. Your NI Financial Planner will stay close to you and guide you on such critical issues as total & permanent disability for a young person and the key issues of major illness and long-term care for retirees.

At New Independent, our fully integrated financial planning solutions will help achieve your financial goals, implementing the most appropriate strategies and products, so that you reap the benefits of a truly comprehensive financial planning service.