Insurance is a one-of-a-kind solution. People take out cover in the hope they'll never use it, and in the meantime, what they get in return is invaluable peace of mind. It's not something anyone likes to think about; but it's also something that can benefit anyone, in times of need.
The reality is, insurance can be complicated, full of jargon and technical details. And to be effective, it requires us to delve deep into some uncomfortable what-if scenarios. It can feel overwhelming at times - but the good news is that you don't need to be. There's expert help on hand, available for any questions you may have.
Exploring your options for the first time? Or maybe, you'd like to boost your current financial protection further? Here are the many ways that our friendly LifeDirect insurance advisers can help you.
Start here: Our quote compare tool
Our quick-and-easy quote compare tool is a great place to start your insurance journey. It's designed to provide you with quotes from NZ's top insurers in a matter of minutes. All you need to do is answer a few questions, and the quotes will appear on screen.
You can either jump straight to the type of insurance you're interested in - or you can use the tool to get multiple quotes at the same time, depending on your needs. It's a great way to know what's available out there and start running the numbers.
But what if you don't know what you might need? That's where our adviser team can be of great help.
What matters most to you?
With so many different options to choose from, understanding what you may need isn't always straightforward. Would you like a replacement income if you were unable to work? Are you looking for ways to protect your ability to repay the mortgage? What about getting faster access to treatment, and perhaps, some level of cover for medications that are not publicly funded?
These are just some of the (many) key things that insurance can help you with. By knowing what's available and getting to know what matters most to you, our insurance advisers can help you sort through your options with confidence.
Ongoing quality advice at your fingertips
Peace of mind, choice, security - insurance can mean many different things to different people. One thing it's not is a 'one-off' solution: over time, as your life changes, your insurance needs are likely to change too. Sometimes, the change is minimal; other times, it may require a more thorough review of your cover.
Once again, LifeDirect advisers are here to help you with this. A review of your cover is an opportunity to refresh your memory of what's covered and what's not. And in some cases, it may also save you money.
For example, depending on your situation at the time you applied for cover, your insurer may have applied certain exclusions and/or premium loadings to your policy (typically, for pre-existing medical conditions and risky hobbies or occupations). And sometimes, these can be reviewed, especially if the medical issue was minor or short-term; or if you quit a risky habit (e.g., smoking), hobby (e.g., paragliding), or occupation (e.g., construction). Get in touch with our advisers to learn more.
Support at claim time
Time to claim on your insurance? Our LifeDirect advisers can take some of the stress out of claim time, by walking you through the claim forms' details and liaising with the insurer.
We know the ins and outs of all the fine print. We understand what insurers look at when assessing claim applications - the types of evidence needed, and the process insurers go through to validate a claim. And we know how stressful all this paperwork can be for you and your family, especially when other emotions and concerns are involved.
Whenever you need assistance with getting your claim approved, keep us in mind: we're here to help, always.
Get in touch with the crew
Have any questions for us? Would you like to review your existing cover or assess your insurance needs for the first time?
Get in touch: behind this screen are real people helping other real people protect their future. And there are many ways to reach out to us: you can send us a message, email us at firstname.lastname@example.org , or give us a call on 0800 800 400 (Monday to Friday, 8.30 am to 5.30 pm).
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 developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.