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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Although it remains one of the most common and devastating diseases – cancer isn't a death sentence by any means.
What is life insurance?
Life insurance cover gives you the ultimate peace of mind knowing your family members and loved ones are looked after.
Who owns a life insurance policy?
The role of the owner of a life insurance policy is simple.
Your BMI and life insurance
Your body mass index (BMI) is an important factor when applying for life insurance.
Insurance company financial strength ratings
A financial strength rating expresses an insurers opinion to meet its financial obligations
When do you need life insurance?
You should review your cover every few years, particularly after major life events.
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.
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.
Frequently asked questions
Some frequently asked questions about life insurance
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.
Does vaping affect your insurance?
Most insurance companies view cigarettes and vaping devices as the same.
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.
Kiwi home buyers' guide to life insurance
Buying a property is likely to be your biggest ever purchase.
How much life insurance do you need?
Knowing how much life insurance you need is essential.
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.
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.
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.
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.
Does smoking affect insurance?
Smokers generally face higher insurance premiums than non-smokers
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.
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...
What is the life insurance underwriting process?
The life insurance underwriting process helps insurers calculate risk.
What is level life insurance and how does it work?
There are two types of life insurance cover you can apply for.
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.
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