Life Cover is designed to financially protect your loved ones when the worst happens. If you die or receive a terminal illness diagnosis of 12 months or less, Life Cover could pay out a lump sum which could be used as your family chooses. Whether that’s paying off large debts, covering medical expenses, or even help maintain current living standards, it certainly will give your family financial support during a difficult time. You could also consider life cover as part of a possible inheritance or legacy for loved ones and/or future generations.

No one wants to imagine the worst happening but in case it does, Trauma Cover is a safety net. Should you suffer a specified serious illness or injury, or undergo a specified serious medical procedure outlined in your policy, it could provide you with a lump sum payment to use any way you like. Trauma Cover can provide peace of mind that you and your family will be financially supported; from helping to pay your medical care to helping to cover your mortgage or household bills; leaving you to focus on the more important things, like your treatment, recovery and spending time with your loved ones.

Predicting the future is difficult but preparing yourself for its twists and turns isn’t. Should you become totally and/or permanently disabled, including from a specified disability that results in you being unable to ever work again, Disability Cover could provide a lump sum payment or a partial payment. You can use this however you choose, perhaps to help loved ones financially by paying down the mortgage, investing it, covering medical bills or even making the essential modifications to your home that your disability demands.

Your ability to work and earn an income is one of your greatest assets. Income Cover could provide you with a monthly benefit should you become unable to work due to illness, accident or injury. For most of us, regardless of how much we love our jobs, we work to allow us to live and meet our financial obligations. A monthly benefit can help you pay your bills or cover other financial commitments while you’re unable to work. This means you and your loved ones have some financial support to help you continue to enjoy the lifestyle you’ve worked hard for.

As a resident of New Zealand, you can rely on the public health system for emergency care and treatment for serious conditions. The public system does have some disadvantages though; it could mean you wait longer for treatment, don’t get to choose your specialist, and if your condition is not related to an accident, you won’t be able to rely on ACC funding.

With Health Cover, you can access treatment through private providers and have some control over when and where you’re treated and by whom. Health insurance helps you pay towards the cost of your treatment which may otherwise be unaffordable or significantly impact the lifestyle you’re used to.

A home is where you’re free to express your style, keep your treasured possessions and create a living space for you and your loved ones to enjoy. But this privilege does come with a great financial commitment. With Mortgage Repayment/Home Loan Cover, you can feel confident that your repayments can continue in the event of the unexpected (either death or disablement), regardless of your home loan provider. Live more worry-free and get on with enjoying the here and now, knowing your family will be able to keep their home in future.