“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
“…less difficult than I thought it would be.”Zoe Evans
$459,000 Life Cover for $22.02 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
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Life insurance that just makes sense
Choose from our range of policies and select the one that best suits your situation and budget.
Life Cover covers you for death, terminal illness, and funeral costs all in one. But we also offer five other policy types that only cover specific situations, like accidental death.
Here we’ve listed the features of our policies side-by-side to help you compare and contrast.
|Wide age range||16-55||18-59||16-74||50-79|
|Guaranteed acceptance||Able to apply and receive an outcome online||Pre-existing conditions exclusion||Pre-existing conditions exclusion|
|Immediate cover||90 day stand down period||For accidental death only|
|Payout for death - accident||N/A|
|Payout for death - natural causes||N/A||N/A||After two years|
|Benefits payable for terminal illness||Cancer only||N/A||After two years|
|Level premiums||No, premiums reviewed annually||No, premiums reviewed annually|
|Choose the amount of cover||Up to $1 million||Up to $100,000||$75,000 to $500,000||$5,000-$30,000|
|Easy to read policy documents||Life Cover policy document||Cancer Cover policy document||Accidental death policy document||Funeral Cover policy document|
|Get a quote||Get a quote||Get a quote||Get a quote|
We also offer Living Expenses Cover which provides monthly payments if you can't work due to sickness or injury and Accident Recovery Insurance which provides a cash payout to help you recover from certain types of accidental injuries.
Choose the right amount of cover for you.
- Pays 98% of all claims
- Simple policies
- Speedy claims
- Most trusted life insurance brand (Reader’s Digest most trusted brands survey 2013)
Life insurance truth #9
Life insurance is sold by advisers, banks and life insurance companies directly. Policies sold usually receive a commission which can be up to twice the annual premium of the policy. This commission payment can be clawed-back if the policy is cancelled within two years.
After the two year period, you may be encouraged to switch to another life insurance provider – in which case the seller will again receive a commission payment.
While this is not common, it can happen. Make sure you consider your own cover requirements and your policy’s history before agreeing to switch to a different life insurance provider.