On first glance, life insurance can appear overwhelming and complicated.
But don't panic, we understand the problems you might be facing and we have products designed to help assess your needs and alleviate your fears. Some products are more suited to a short-term arrangement, whilst others are designed to meet your needs in the future.
So what are the different types of life insurance?
To assist in assessing your own needs, consider these four major issues which you and your family could face:
- You need to go to hospital to have an operation,
- You are unable to work due to severe illness or injury,
- You suffer a large life changing event, such as a heart attack, and you need time and help to get back on your feet, or
- You part this world too soon, leaving dependants behind.
Did you know…
- 1 in 6 males over the age of 30 will die before they reach 65 (1)
- 1 in 9 females over the age of 30 will die before they reach 65 (1)
- 2 out of 5 males over the age of 30 will suffer a critical illness before they reach 65 (2)
- 1 out of 4 females over the age of 30 will suffer a critical illness before they reach 65 (2)
- Cancer, heart disease and cerebrovascular disease were the leading causes of death in New Zealand in 1998. These illnesses alone contributed to 12% of the admission to public hospitals in 1998 (3)
- 16,531 new registrations were for cancer in 1998 (3)
- 57% of heart attack patients survive and will still be living one year later (4)
- 78% of stroke patients will be alive 1 year later (5)
- 60% of cancer suffers will survive at least 5 years from diagnosis (6)
Whilst we can’t predict your future, we can perform a financial needs analysis and help you determine exactly what's right for you.
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1. Statistics New Zealand (2004), New Zealand Life Tables 2000
2. General Cologne Life Re Australia 2002.
3. Statistics New Zealand (2004).
4. British Heart Foundation. - 2002.
5. Morbidity and Hospital Data Vol. 2, 1993.
6. Australian Institute of Health and Welfare 2001, Cancer Survival in Australia, 2001.