Protect your family’s financial future if the unexpected happens. When someone passes away, their income stops permanently — leaving loved ones without financial support at the worst possible time. We work with all leading insurance providers in New Zealand to find the right cover for your situation, at no cost to you.
A: Life insurance pays a lump sum to your family or beneficiaries if you pass away or are diagnosed with a terminal illness. The amount can be used to clear your mortgage and debts, provide ongoing income for your surviving spouse, cover funeral and legal costs, and ensure your family can continue living the life you planned together.
A: As a guide, your cover should be enough to clear your mortgage and debts, replace your income for your family for several years, and cover costs such as children’s education and funeral expenses. The right amount depends on your individual circumstances. Your adviser will work through a full needs analysis with you.
A: It depends on the condition and the insurer. Some conditions may result in an exclusion or a premium loading. We will discuss your health history openly and advise you on the best approach — including which insurers are most likely to offer the most favourable terms.
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