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Life Insurance

Life Insurance Cover pays a lump sum of money if you pass away or become terminally ill. Life Cover is designed to help your family pay costs that you would have helped with if you were still alive.

You may also choose to have Accidental Death Cover that will only pay a lump sum benefit if you pass away as a result of an accident.

What is Life Cover?

If you or your partner died suddenly, what position would you leave your family in?

Loss of income in these cases can have an immediate and long term impact on your loved ones left behind.

What attitude do you have? Do you want to see your family maintaining the life that you both dreamed of? A substantial remaining debt, such as a Home Loan still requires the same repayment no matter the circumstances.

The benefits of Life Cover

Life Insurance Cover allows you to leave behind a lump sum benefit for your loved ones. It’s easy to apply for by contacting Scott on 03 980 4541 or by email on scott@amsnz.co.nz  

Other benefits that can be added to life cover include:

•        Terminal Illness Booster-this boosts life cover by up to 25%           

•        We Pay Your Premiums-basically insurance for the life insurance policy

•        Level Term Cover-this allows you to keep the premium the same each year up to age 80.

•        Special Events Increase-increase your sum insured without further medical underwriting

Common questions about Life Cover

How much life cover do I need?

The level of life insurance cover you choose will depend on your needs. Things you'll need to consider:

•        Do you have a mortgage to cover?

•        How about credit card debt or any other hire purchases?

•        Will your partner/spouse survive with a loss of your income?

•        Do you have enough money to cover for your funeral costs? 

Can I use my life cover on anything?

If your claim is accepted, it's up to you to decide how to use the money. Maybe you'll need to settle debt - such as your mortgage, day-to-day bills, or to ensure that your family's lifestyle is less affected without your income.

Can my spouse/partner be covered too?

We don't offer joint life insurance cover but your spouse/partner can apply for Life Cover separately.

During the Feb 2011 Earthquake the average Life Cover pay-out was $176 000.
If this was the pay-out for your family-would it be enough to cover your mortgage or would you need to sell your house?

For more information on Life Cover Insurance please contact us at Advanced Insurance Solutions so we can help you with any questions you might have, and to assist you into the best option for your personal circumstance.

To see how insurance cover would best suit you and your circumstances feel free to contact:

Jason Haskins

M: 022 018 9178

Ph: 03 662 9058

jason@aisnz.co.nz


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