Insurance for the young

Insurance for the young

Ten foot Tall and Bullet Proof

Think again.....

  • One in five Kiwis have a disability.
  • 13% of adults aged 15 to 44 have a disability.
  • Only 40% of adults with a disability are employed.
  • 56% of adults with disabilities earn less than $15,000 per year ($236.53 nett pw).

Could you survive on that?
Would you want to move back in with Mum and Dad?

Income Protection Guaranteed Payment Calculator (939kb)
 

Frequently Asked Questions

  • How much cover do I need?
    This varies for every person we deal with, the best thing to do is run through the simple planner we have developed.
    You can get started right now by completing the simple enquiry form to the right hand side of this page. We will then come back to you with some additional questions that will help us to establish the amount of cover you need for your personal situation.
  • Who can apply?
    Usually any New Zealand citizen, permanent resident, or people on a 2 year Work Visa can apply.
  • Am I covered if I'm out of the country?
    Life , Income Protection , Trauma and Total and Disablement cover, usually cover you anywhere in the world 24 hours a day, Health insurance only covers you for treatment in New Zealand.
    Special conditions sometimes apply please check your policy wordings for full details.
  • How likely am I to become disabled or pass away before age 65 ?
    Five in 10 males are likely to become disabled due to an illness or
    accident before they turn 65, preventing them from working for at
    least a month.1
    Seven in 10 females are likely to become disabled due to an illness
    or accident before they turn 65, preventing them from working for
    at least a month. Of these, nearly a third will still be on claim 12
    months later.1
    One in nine men will be disabled and off work for more than
    12 months before age 65.2
    One in five women will be disabled and off work for more than12
    months before age 65.2
    Fifty-one per cent of males will suffer a critical illness before the
    age of 70.3
    Thirty-three per cent of females will suffer a critical illness before
    the age of 70.3
    Sources:
    1 Davies Financial and Actuarial Limited
    2 Insurance Alert, Winter 2000
    3 GenRe LifeHealth Australia, 2005
 

Options for Insurance for young clients start from $25 per month and a comprehensive package can be done for a little as $80 per month. Ensuring you remain independent regardless of what happens.

Contact us for details on what a start up insurance package would cost.

 


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