What is Life Insurance?

Life Insurance

If something happens to you, life insurance can help your family pay for things.
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Financial protection

Protect the financial future of your family and those who depend on you.

Peace of mind

Know that your family is taken care of in the event of something unexpected.
Why Life Insurance

Why get Life Insurance?

Life insurance is a lump-sum payment that is paid to you in the event of death, or if you have been diagnosed with a terminal illness and are likely to die within 12 months following diagnosis. If you have family that depends on you financially, it may be a good idea to get life insurance.
Lump-sum payment
Paid out in the event of your death or terminal illness
Leave a legacy or protect your family
Continue to support loved ones after you're gone

Get started in 3 easy steps

Because insurance doesn't need to be complicated
1

Contact us

Get in touch  to schedule a time to chat
2

Review your options

We'll work with you to formulate a custom insurance solution that fits your unique needs
3

Success - application submitted!

We'll submit your application and work on your behalf for the best cover!

Life Insurance FAQs

Ask us directly
01

Alright, but what exactly do you do?

As insurance advisers (also known as "brokers"), we do the hard work for you so you can save time when choosing the right insurance provider. We help you compare your options across multiple leading insurance providers, help you with any questions you may have along the way and are there for you should you need to raise a claim.
02

How much life insurance do I need?

A general rule of thumb is 10X your annual salary in life cover; however, your unique situation and needs may differ. We recommend talking to an insurance adviser to help you decide on the amount.
03

How much is this going to cost me?

Generally speaking, your age and health play a major factor in the cost of your life insurance policy. The life insurance providers that we work with use a variety of models to work out your risk, which  affects  your premiums (monthly payments). Basically, the healthier and younger you are, the cheaper your policy will be, so it pays to stay healthy and get insurance when you are young before you develop any ailments.
04

What is term life insurance vs. whole life insurance?

Term life is insurance valid for a certain time period only, for example 20 or 30 years. Permanent or Whole Life is a policy that is valid for your whole life, meaning that no matter what age you pass away at your policy claim will be paid out according to the terms and conditions of your policy. While term life insurance is usually cheaper, it doesn't always pay off in the end. This is why we advise working with a licensed financial advisor (like us!) to make sure you understand the true costs and benefits of your policy.
Why Buffer

Why use an insurance advisor?

Unlike working with one single insurance provider, as licensed Financial Advisers, we're able to advise you on which policy is right for you across multiple insurance companies while ensuring you get the most favourable terms on your policy. We also advocate for you and your family in the event of a claim to ensure the whole process goes smoothly.
We offer access to exclusive insurance solutions
We are available 7 days a week
We work with NZ's Top insurance providers
We advocate for you throughout the entire process, from application to claim

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