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Life Insurance.

Life cover provides financial security if or when a loved one passes away unexpectedly. It ensures that families can meet their financial needs, pay debts, and maintain their quality of life, even in challenging times.

Who should consider Life Insurance?


Parents with children, especially young ones, should consider life insurance to ensure the children's futures are financially protected.


If you have a mortgage or other significant debts, life insurance can protect your family from losing their home, as a result of unexpected death.

Main breadwinners

If you are the primary income earner for your family, life insurance can replace your income and maintain your family's standard of living, if you pass away unexpectedly.

Business owners

Business owners may need life insurance to protect their businesses and ensure a smooth transition of ownership in case of their death.

with debt

If you have significant debts, life insurance can prevent your loved ones from inheriting your financial obligations.

Estate planning

Individuals with substantial assets may use life insurance as part of their estate planning strategy to minimise estate taxes and facilitate the transfer of wealth to heirs.

Not sure what you need?

Let's chat. We can help.

Need a quick quote?

Leave us with your details below and we'll get back to you with a quick, estimate quote.

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Thank you, we will be in touch with an estimate quote within the next 24 hours.

Frequently asked questions related to Life Insurance.

1. What is life insurance, and why do I need it?

Life insurance is a financial product that provides a payout to beneficiaries upon the policyholder's death. You may need it to financially protect your loved ones, cover debts, or provide for your family's future.

2. What types of life insurance are available in New Zealand in 2023?

Common types include term life insurance, whole life insurance, and universal life insurance. Each has unique features and benefits.

3. How much life insurance coverage do I need?

The amount depends on your individual circumstances, such as your income, expenses, debts, and financial goals. A financial advisor or insurance agent can help you determine the appropriate coverage.

4. How are life insurance premiums calculated in New Zealand?

Premiums are based on factors like your age, health, smoking status, coverage amount, and policy type. Healthier individuals generally pay lower premiums.

5. Can I get life insurance if I have pre-existing medical conditions?

It's possible, but your premiums may be higher, or there may be exclusions related to your condition. Insurance providers evaluate applicants individually.

6. Is life insurance payout taxable in New Zealand?

Life insurance payouts are typically not taxable in New Zealand, but it's essential to consult with a tax professional to understand your specific situation.


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