Looking after your loved ones when you're gone
With life insurance you protect what matters most. It provides peace of mind knowing that if the worst was to ever happen you know you’ve given your family financial protection for the future by providing them with a lump sum or monthly payment if you pass away.
Are you prepared should such an event happen? Ask yourself these questions:
- If there’s a mortgage, who will pay it if I’m gone?
- What about my children's future, and what does it look if I’m gone?
- I’m the major income provider, where does that income come from if I’m gone?
It can help them pay the rent or mortgage, put food on the table and pay the bills or it can be used to invest in your children’s education or other things you want for your family by paying a lump sum to the policy owner in the event of your death.
At HealthCarePlus we have you covered. Through Monument, our financial advice provider, they have access to all of New Zealand’s major life insurers
Through HealthCarePlus you can get
A 10% discount
for the life of the policy (not just the first year)Book an appointment
It helps protect your family’s finances
By providing your family with financial resources in the event of your untimely death and will pay your beneficiaries money to ensure they can continue to be financially supported.
Tax-free one-time payment
Under New Zealand tax laws, you do not pay any income tax on any life insurance benefits you receive, provided they are taken out for personal use. This means that, following receipt of the benefit, the policy owner is not required to declare the lump sum payment to Inland Revenue, as no liability for income tax for the payment exists.
Terminal Illness Benefit
If this is included in your policy and you are diagnosed with a terminal illness with a life expectancy of fewer than 12 months, the Life Cover benefit is paid early in a lump sum.
Peace of Mind
Enjoy life knowing that you are looking after the people you love and the things you have worked hard for if life doesn’t go to plan.
In the event of a premature death your family’s dignity is and lifestyle is retained and they will not be forced to sell the family home, move schools and or suburbs due to financial stress.
Life Insurance documents
We have developed an easy-to-read guide to help breakdown the confusion, jargon and complexity of the world of life Insurance and help answer questions you may have. Our aim is to make life insurance easy to understand, making it easier to make the right decisions when it comes to protecting what’s important. To download the full guide, please click here.