What is income protection?
Income protection insurance cover enables you to protect your income.Read Article
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Frequently asked questions
Some frequently asked questions about income protection
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What is an income protection waiting period?
When setting up your income protection, you`ll need to choose a waiting and payment period.
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SmartCare+ is Accuro's top rated individual product for those who make their health a priority. The SmartCare range has been recommended by consumer experts for best product and price as well as highest customer satisfaction since its launch in 2008.
Kiwi home buyers' guide to life insurance
Buying a property is likely to be your biggest ever purchase.
For today. For tomorrow. For life. At Fidelity Life we're proud to be the largest New Zealand owned and operated life insurer.
What is a health insurance exclusion?
Depending on your medical history you may find an exclusion on your insurance.
Life won't give you warning when it's over. Are you covered?
We know real life can be unpredictable. With our strong financial foundation and innovative insurance solutions, we're here to partner with you through life's up's and down's.
Kiwi new parents guide to life insurance
Some of your most important decisions will be about making sure you can financially care for your child.
Four New Year's resolutions that can reduce your insurance premiums
New year, new you? This time of year is traditionally a moment for reflection - new beginnings, new directions, new goals. So if you're thinking about the changes you'd like to make, read on...
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.
QuickCover Life Insurance Policy
QuickCover is a straight forward life insurance policy that pays out a lump sum on your death or if you are diagnosed with a terminal illness (terminal illness is defined as a condition that is expected to cause death within 12 months). There are no expensive frills - just simple cover that's easy to arrange.
How do different options affect your life insurance premium?
We know life insurance can be overwhelming, there's so many different options that can have a material impact on your premium, so we're here to make it as easy as possible for you.
Top tips to stay healthy during the festive season
'Tis the season to be festive, and fed. Here are some expert tips* on how to stay healthy during the festive season - to help you enjoy the celebrations, guilt-free.
About AIA Vitality
AIA Vitality is an award-winning health and wellbeing program.
What is trauma insurance cover?
Trauma cover provides you with a lump sum payment if you are diagnosed with a critical illness or injury.
Your BMI and life insurance
Your body mass index (BMI) is an important factor when applying for life insurance.
Trauma Insurance: Over $110 million paid to Kiwis in just 6 months
Thinking about critical illnesses or injuries certainly isn't pleasant, but unfortunately, the unexpected can (and does) happen. Trauma insurance exists to ease the subsequent financial burden, by providing a lump sum payment in the event of a critical illness, condition or injury.
New Zealand's best little health insurer
Accuro is a New Zealand-owned, not for profit insurer. We put our 30,000 members before financial gain.
What is the life insurance underwriting process?
The life insurance underwriting process helps insurers calculate risk.
AIA Total Permanent Disablement Insurance
With Total Permanent Disablement (TPD) Insurance you will get a lump-sum payment which can assist with your mortgage, covering medical expenses, modifications to your home or other bills
Pandemic Life Insurance: Key things to know
Have recent events prompted you to think about protecting yourself and your financial future from the potential impact of Covid-19? Whether you already have cover or are exploring your options for the first time, here are some key things to know.
How to (truly) relax and unwind this holiday season
2020 has challenged all of us in vast and unexpected ways, so you may well be looking forward to a relaxing and restorative holiday break. Ready to make the most of it, and leave behind all the 'hustle and bustle' of the year? Here's some inspiration for you.
AIA Living Progressive Care
AIA Living Progressive Care is an innovative trauma insurance that allows you to make multiple claims, based on the severity of your illness or injury.
At nib, Health Comes First and we believe that health insurance should be easy to understand, easy to claim on and most of all good value.
Health insurance claim limits
These limits are the maximum your insurer will pay if you were to claim on a surgery.
Health insurance for kids
Health insurance for children is an easy way to safeguard their future.
Health insurance for 50-plus
Some may say that life begins at 50. It's when you're most likely to reap the fruits of your hard work. A big part of your mortgage may be paid off. And if you have kids, they might be achieving their own financial independence.
Insurance Jargon Buster
Insurance can be tricky - we get that, especially with all the jargon. We're here to help ensure you have the information you need to make an informed choice about what insurance is right for you.
When do you need life insurance?
You should review your cover every few years, particularly after major life events.
Income Protection Insurance
This insurance is simple, but powerful. As the name suggests, Income Protection protects a percentage of the money you normally earn.
How much life insurance do you need?
Knowing how much life insurance you need is essential.
Insurance company financial strength ratings
A financial strength rating expresses an insurers opinion to meet its financial obligations
Terminal illness and life insurance cover
A good life insurance policy will pay you a lump sum amount if you get diagnosed with a terminal illness.
Mortgage and Living Insurance
A comfortable lifestyle is the result of hard work, it makes sense to protect it right?
Health insurance for a pre existing condition
Your medical history may affect what you can get health insurance cover for.
Will New Zealand health insurance work in Australia?
Some insurance companies offer health cover in both New Zealand and Australia.
Recovering from a serious illness, injury or medical procedure takes time. Our Trauma Recovery Insurance provides you with a lump sum payment to help financially while you recover.
What is a health insurance excess?
Your excess amount is the part of your claim that you agree to pay.
Life & Life Income Cover
Life Cover is an insurance that pays you a lump sum if you die or are diagnosed with a terminal illness. Life Income Cover pays a monthly benefit for a period of time.
Protecting your biggest asset with Income Protection
First thing first, right off the bat: What's your biggest asset? Many people would say their house, their business, or their car. The reality is all these items depend on an even bigger asset: your ability to earn an income.
What's the difference between Life and Health Insurance?
On the surface, it's a bit like comparing apples and turnips. Life insurance is designed to provide a lump sum to secure your family's wealth and lifestyle if you're no longer around.
Mortgage and income protection
Both insurance products are designed to pay you a series of ongoing payments
Cigna New Zealand is a leading specialist provider of life insurance, funeral insurance, income protection insurance, trauma insurance and travel insurance products and services.
UltraCare is a premium surgical and healthcare plan for those who want the highest level of cover.
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.
Although it remains one of the most common and devastating diseases – cancer isn't a death sentence by any means.
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.
Health insurance through the life stages
Young and single or retiree? Is your family growing - or are your children flying the nest? Health insurance can give you faster access to private healthcare at any stages of life.
Why you're never too young or too old for insurance
Whether you're a 25-year-old just starting out or a 55-plus-year-old nearing retirement, you're never too young or too old to take out cover. Here are some key things to consider.
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.
Premium Cover is an insurance that pays your total insurance premiums if you are disabled and unable to work.
AIA Living Family Protection
AIA Living Family Protection is designed to minimise the impact on lifestyle after your death through a monthly payment to your family, rather than a lump sum.
Complete Disablement Cover
Complete Disablement Cover is an insurance that pays you a lump sum amount if you become completely disabled due to illness or injury.
What is level life insurance and how does it work?
There are two types of life insurance cover you can apply for.
Who owns a life insurance policy?
The role of the owner of a life insurance policy is simple.
Do you need life insurance to buy a house?
Short answer: No, you don't need life insurance to buy a house - but as a homeowner, life insurance is a very good idea. If you're hunting for your first home, here are some key things to know.
Does vaping affect your insurance?
Most insurance companies view cigarettes and vaping devices as the same.
Does health insurance work overseas?
New Zealand health insurance cover won`t protect you.
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.
AIA Living Accidental Death
AIA Living Accidental Death is a very basic type of life insurance that simply provides a lump sum should you die as a result of an accident.
We're working towards a healthier New Zealand, empowering all Kiwis to live healthier lives.
Does smoking affect insurance?
Smokers generally face higher insurance premiums than non-smokers