INSURANCE

Life Insurance

Pays a lump sum in the event of death, or terminal illness
Covers most people, aged 16 to 74
Is essential if you have a mortgage or debt that you don’t want to burden your family with
Allows you to provide for anyone, who is dependent on you if you die
Pays for your funeral costs so your family doesn’t have to

Gives you peace of mind that your mortgage, loans and debts will be taken care of if you lose your income due to illness or injury
Provides a monthly replacement income for a portion of your pre-disability income, less other income at the time of claim
Gives you additional support that ACC can’t provide – many people don’t realise that ACC only pays benefits for accidents, not an illness

Pays for the cost of major hospital and surgical procedures
Allows you to receive the treatment as soon as it is required, so you can plan it around your family schedule
Means you avoid public health waiting lists, having to wait while your illness gets worse, and the financial consequences if you are off work and waiting for treatment.
Gives you the option of seeking treatment with your preferred provider
Covers the costs of private hospital surgical treatment, non-surgical treatment and specialist fees and tests with hospitalisation
Includes the option of adding Specialist and Diagnostic Testing to your policy, which covers specialist consultations and diagnostic procedures such as oncologist and cardiologist consultations and MRI and CT scans

Covers your monthly repayments if you are unable to work due to sickness or injury
Gives you the peace of mind knowing that your mortgage or home loan is taken care of while you recover