LIFE INSURANCE

Because Family Matters

Life insurance is one of the most common Personal Insurance covers – it is simple and a less expensive form of coverage that pays out a lump sum to a policy owner in the event of death to the life insured.

 

Life insurance in NZ is similar to any other type of insurance policy as it is a contractual agreement between the insurance company and the policy owner. The policy owner agrees to pay the accepted regular amount which is known as the premium.

Why you should have life insurance

As we grow older, get married, start a family, life insurance becomes indispensable to a sound financial plan. Over the years, life insurance has given New Zealanders peace of mind knowing that money would be available to protect their family and estate in several ways, including:

Paying final expenses

The cost of a funeral can easily run into the tens of thousands of dollars, Covering your final expenses prevents unnecessary financial suffering at a difficult time.

Give your children the quality of life they deserve

While you have dependent children, their quality of life is reliant on your income and ability to earn. A little extra life insurance can maintain your children’s quality of life if you’re not around.

Managing domestic tasks

The role of managing a household is underappreciated part of daily life. The reality is that it costs money, and in the unfortunate event of a spouse’s passing, the workload requires a reduction in work for the surviving partner – replacing this income is often necessary.

Pay off debts

One of the core roles of life insurance is to cover debts like the mortgage so your family aren’t forced to sell the house to stay solvent.

THE LIFEPLAN PROCESS

At LifePlan, we work with you to make the process of sorting out your financial future and your life insurance as simple as possible. We’re focused on your goals and helping you achieve them.

1 We take the time to understand you

The plan we develop to help you achieve your goals focuses on the best case scenario, but sometimes things don’t go to plan. It’s important that we protect you from the risks you face so that you have the best chance of achieving your goals.

2 We work together on a plan

Once we understand your goals and your current financial situation, we’ll work with you on a plan that breaks your goals into achievable objectives that are time bound.

3 We support you while you execute your plan

We might not be in the room, but we’re still there supporting you to execute the plan we’ve developed together. We’re only ever one phone call away.

4 We’ll help you protect what matters most so you can achieve your plan

The plan we develop to help you achieve your goals focuses on the best case scenario, but sometimes things don’t go to plan. It’s important that we protect you from the risks you face so that you have the best chance of achieving your goals.

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