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Insurance

Because you only live once

Life's full of ups and downs. And most of us wouldn't have it any other way. If things don't go to plan though, that's where insurance can really help.

Our policies can work together or stand alone, so ask LifeDirect to help get the right mix for your needs.

Asteron Life offers the following products on www.lifedirect.co.nz.

Life Insurance

You can't predict the future, but you can help protect yourself against it. Life Insurance can provide a lump sum of money if you die or become terminally ill.


Trauma Insurance

A major health issue can also take its toll on your time and money. This insurance gives you a sum of money that can help you get through it.


Income Protection Insurance

This insurance is simple, but powerful. As the name suggests, Income Protection protects a percentage of the money you normally earn.


Mortgage and Living Insurance

A comfortable lifestyle is the result of hard work, it makes sense to protect it right?





Asteron Life also offers the following products. These products are not as easily comparable to other insurers products as those above, but you can still purchase them through LifeDirect. Get in touch to find out more.

Accidental Death Insurance

This is quite a specific insurance for death as a direct result of an accident. Not exactly cheery stuff, but the lump sum can come in handy.


Cancer Insurance

Although it remains one of the most common and devastating diseases – cancer isn't a death sentence by any means. Cancer Insurance can help you recover both physically and financially.


Workability Insurance

Workability Insurance will help you to get back on your feet and earning again, if you're unable to work due to sickness or injury.


Total and Permanent Disablement Insurance

This insurance provides a lump sum of money to make life a little easier if you become totally and permanently disabled.





Asteron Multi-Benefit Discount

We'll apply the bundling discounts to Personal Insurance policies that commence on or after 8th August 2016. The discount will be applied to all premiums on the policy other than Kids Cover premiums.

Types of coverPremium discount
27.5%
3 or more12.5%

You can only count each type of cover once towards the Bundling discount. The eligible types of cover are:

Cover TypeEligible CoversMinimum Sum Insured /
Monthly Benefit
Life
  • Life Cover
$100,000
Trauma
  • Trauma Recovery Cover
  • Cancer Cover
$25,000
TPD
  • TPD Cover
$100,000
Disability
  • Income Protection Cover
  • Workability Cover
  • Mortgage and Living Cover
$1,000 per month

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.

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