Life Insurance (Premature Death)

Life Insurance (Premature Death)

Life Insurance is about having enough financial protection in the event of death to safeguard the lifestyle and future of your family and loved ones, taking into consideration that there needs to be funds available to cover current debts, mortgages and have enough ongoing income to provide for living costs, education costs and
retirement funding.




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.
  • My Insurance premiums are going up, is there an option to make the premiums level?
    Yes, you can now get level premiums for most benefits, call us for more information, we can probably convert existing cover without the need for further health questions.
Life Insurance (Premature Death)

Once we establish with you, the amount of cover you require to protect your family, we make recommendations as to the most suitable policy for your needs and which Insurer provides the best terms and premium rates.