“…less difficult than I thought it would be.”Zoe Evans
$459,000 Life Cover for $22.02 fortnightly
“Policies were easy to follow and a good price.”David Bloomer
$500,000 Life Cover for $16.43 fortnightly
“It feels good to know it’s done.”Sarah Gatjens
$250,000 Life Cover for $9.77 fortnightly
“I’ve been to a lot of tangi…you see the struggle.”Carli Te Hira
$500,000 Life Cover for $26.12 fortnightly
“You think it’s not going to happen, but it does...”Leanne Ellis
$350,000 Life Cover for $11.48 fortnightly
Get the right amount of cover
The amount of cover you need can depend on a few factors like your current income, assets, your family’s living expenses and future needs. You can find out what your cover could be by using our calculator or by speaking with an independent financial adviser.
Cover needs generally fall into these categories
|Clear all debts||Simple provision||Do something exta|
|Funeral costs||House and living costs||Give to charity, family or friends|
|Debts||Children's education||Lump sums to make a difference|
A key thing to remember is that life insurance is designed to help ease your mind, – it should completely cover the things that you’re worried about.
Typically people keep their insurance cover until their kids leave home and their debts are cleared but many people like to keep it longer to leave something for family or provide for their spouse.
These are important factors to keep in mind when you’re figuring out precisely how much and what sort of coverage you need. Whatever life insurance you choose, it’s a good thing to get sorted. And once you’ve got it you can relax, secure in the knowledge that the people important to you are covered if the unexpected happens to you.