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Why life insurance

Looking after your loved ones future

Most people with dependents need some life insurance – just in case the unthinkable happens.  At a minimum, life insurance should cover your debts, funeral expenses, full repayment of your mortgage (including any early-repayment fee), and your family's immediate living costs.

It provides peace of mind knowing you’ve given your family financial protection for the future by providing them with a lump sum or monthly payment if you pass away.

Plus if you arrange life insurance through a Monument financial adviser you'll get a 10% discount for the life of the policy (not just the first year). 

Member benefit

10% discount for the life of the policy

Why use Monument Advisers?

Additional benefits of talking to Monument advisers

They can meet with you (and your partner) to discuss your individual needs, prepare personalised plans and assist you with applying for any insurance to address those needs.

They will be your ‘go to’ person to ensure the plan remains suitable and to help with any serious claims.

  • Choice of Insurers

    Monument advisers have access to all New Zealand life insurers and their products.

  • Making Informed Decisons

    Monument advisers will give you an honest view as to whether Life Insurance is right for you. And will help you decide what plans are best suited to your needs and budget.

  • Help make things easy

    Monument advisers can help you apply and help manage any claims that happen.
Book an appointment here

Just want an estimate

If you are not ready to talk with an adviser, then check out our estimate tool. In less than a minute and just a few simple questions you can get a range of premium costs from most of New Zealand’s major insurance providers across a number of cover options.

Get an estimate

Get an estimate from AIA, Asteron Life, Chubb, Fidelity life and Partners Life.

About Monument

 

For over 30 years Monument Insurance has been HealthCarePlus’s appointed business partner to provide financial advice to HealthCarePlus Members on life and health insurance. (HealthCarePlus is not authorised to provide financial advice).

Monument is an authorised body to Gallagher. Gallagher is licensed by the Financial Markets Authority (FMA) to provide advice on life and health insurance products.

At Gallagher, we’ve been helping to protect what’s important to people and businesses around the globe for more than 95 years.

Previously known as Crombie Lockwood in New Zealand, we have a long history of helping New Zealanders with their insurance needs. Our local business, which was established in 1978, is still led by two of our Kiwi founders, Steve Lockwood and Carl O’Shea. Our clients are supported by teams of around 1,000 broking professionals in more than 30 offices around the country. With strong connections to the communities we service, we combine local understanding and support with the capability and resources of a large organisation.

Terms and Conditions

To view Monument financial adviser’s terms of engagement and disclosure documents click here.

We may receive a commission or similar compensation payment from Monument Insurance NZ Ltd when you obtain their products and/or services through your membership of HealthCarePlus.  That will generally be in the form of an upfront payment, but we may also receive an ongoing trail commission payment in some cases. This enables us to provide you with Membership Benefits and the management of the charitable grants.