What is life insurance?
Life insurance cover gives you the ultimate peace of mind knowing your family members and loved ones are looked after.Read Article
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What is life insurance?
Life insurance cover gives you the ultimate peace of mind knowing your family members and loved ones are looked after.
Frequently asked questions
Some frequently asked questions about life insurance
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How much life insurance do you need?
Knowing how much life insurance you need is essential.
What is level life insurance and how does it work?
There are two types of life insurance cover you can apply for.
When do you need life insurance?
You should review your cover every few years, particularly after major life events.
Your BMI and life insurance
Your body mass index (BMI) is an important factor when applying for life insurance.
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.
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.
Who owns a life insurance policy?
The role of the owner of a life insurance policy is simple.
Kiwi home buyers' guide to life insurance
Buying a property is likely to be your biggest ever purchase.
Does smoking affect insurance?
Smokers generally face higher insurance premiums than non-smokers
Insurance company financial strength ratings
A financial strength rating expresses an insurers opinion to meet its financial obligations
Does vaping affect your insurance?
Most insurance companies view cigarettes and vaping devices as the same.
What is the life insurance underwriting process?
The life insurance underwriting process helps insurers calculate risk.
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.
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.
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.
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.
Although it remains one of the most common and devastating diseases – cancer isn't a death sentence by any means.
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.
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.
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.
How to keep your life insurance affordable - for life
Affordability, both in the short and longer term, is a key consideration when it comes to life insurance. As you know, insurance premiums usually increase with age. They generally start at their lowest levels when you're young and then, year after year, as you age and the likelihood of claiming increase, they keep rising. But what if we told you that there's a way to fix your life insurance premiums - for life? Let us introduce you to another type of premium...
Stepped or level premiums: what's the difference?
Most people know that insurance costs increase with age, and that's true for the most common type of premium: stepped (age-related) premiums. However, if you plan to keep the same level of life insurance that you have now until you're 60 and over, there's another type of premium to consider - level premiums.
Couple goals: tips for having the 'insurance talk'
Are you in a couple and looking for ways to protect the life you're building together? It all starts with an open, honest conversation.
Do you know who owns your life insurance policy?
Ownership of your life insurance policy is important - and often overlooked.
What people ask us most about life insurance
This month we ask our friendly insurance adviser Amy Webster to tell us a bit about life insurance - as well as some frequently asked questions.