Services
Life Insurance
Life insurance has been around for hundreds of years. Its basic purpose is to ensure people and their loved ones are looked after if something happens to them. Whilst the products throughout the insurance industry have changed the concept remains the same. "Life insurance is designed to provide a certain amount of security in time of need".
There are several types of life insurance. Some policies protect against premature death; others help if you become ill or disabled. They're all designed to provide a backup plan to hold things together when life turns an unexpected corner.
Leaving a lump sum to the people who matter most
If your family need your income to survive – Life Cover can help them to cope financially without you. Up to 100% of the Life Cover benefit can be paid in advance if you are diagnosed as being terminally ill, and are likely to die within 12 months of the diagnosis. The Life Cover benefit is reduced by the amount of any terminal illness benefit paid.
Leaving a lump sum to take care of your business partners
Businesses can be at risk when a partner dies. Life Cover can make it easy for surviving partners to take over your share and keep the business running. Provides a lump sum if you or a key person insured dies. The money can be used to reduce business debt or replace income that would have been generated by the insured.
Creating an ongoing monthly income for your family
If you’d rather leave your family with an ongoing monthly benefit, instead of one big lump sum, you may prefer a Family Protection type cover. Without you as an income earner, how would your family survive? Family Protection takes care of your family's financial security by providing a monthly income if you or your partner die. You can select an amount that will cover expenses such as mortgage repayments, food, clothing and schooling.
Accidental Death – another option
For people who aren't eligible for regular Life Cover, or simply need a more affordable option, Accidental Death insurance could be the answer.
Trauma Cover/ Insurance
Have you ever thought about the financial side effects of a serious illness?
Pays a lump sum if you suffer a critical condition. Most policies now cover about 40 critical conditions. Did you know that 2 in 5 males and 1 in 4 females between the ages of 30 and 64 will suffer a critical illness? (source General Cologne Life Re 2002).
Of course people are now living longer and increasingly surviving illnesses and conditions which were once more likely to be fatal. While dying prematurely is still the risk most people insure against, the greater risk to a family's financial security maybe being incapacitated and unable to work - running up some hefty medical bills. Surviving a critical condition can leave people, and the families who depend on them, financially crippled.
One of the distinctive features of trauma insurance is that it pays out on diagnosis rather than the outcome. It offers a solution to cover the financial consequences of an event occurring.
Health/Medical Insurance
Few things are as precious as your well being.
But people do get sick and have accidents - even healthy people.
Whatever you do, that won't change. What you can do is think ahead and be better prepared for it. That means thinking beyond the limited resources of the public health system. It means ensuring that the best medical care and technology are available to you and your family. It means removing the potential nightmare of astronomic medical bills at a time when your are suffering enough. It means planning ahead with a tailored Fast Quote.co.nz health plan.
Better yet, avoiding the under resourced public health system will ensure you'll be on the road to a faster recovery.
What's covered - Fast Quote .co.nz will find the appropriate Health Care that will cover you for the cost of surgery in a private hospital, which includes:
- Surgeons' and anaesthetists' fees.
- Pre- and post-operative specialist's fees within 6 months of the date of surgery
- Surgical implanted prostheses
- Diagnostic procedures leading to surgery in a Private hospital
- Ancillary treatment charges incurred while in hospital
- Specialist Minor Surgery
- Physiotherapy following surgery
You could also be covered for the cost of medical treatment in a Private Hospital for:
- Angiography, Angioplasty and Lithotripsy procedures
- Other treatment resulting in admission to hospital (special conditions apply)
- CT and MRI scans
Income Protection
If you're unable to work due to sickness or injury, financial obligations can't be put on hold; home loans, household bills and general living expenses still have to be met. That's why you need to protect your ability to earn.
Did you know that 51% of men and 33% of women are likely to become disabled due to a critical illness before they turn 70?1
1. Gen Re Life Health Australia, 2005
A health setback doesn't have to affect your financial well being. With income protection insurance, you’re compensated for time off work.
Income Protection can be very comprehensive in cover, however other less substantial are also available. This type of income protection covers you for the most common serious conditions. It's ideal for people who can’t purchase regular Income Protection because of their occupation, and those who are looking for a lower-cost alternative.