Packages for couples starting at as low as $25 per month.  Ensuring NZ$ cover is put in place before foreign based cover is reduced or cancelled. Standard features included at no extra premium:

Bereavement Benefit: Allows immediate payment of a portion of the claim to assist with funeral and other immediate needs.

Terminal Illness Benefit: Pays up to 100% of the death benefit if terminal illness is diagnosed and client has less than 12 months to live.

Also known as Trauma, Living Assurance and Dread Disease Cover. This benefit entitles a policyholder to a lump sum payment in the event of diagnoses of a number of conditions, including Cancer and Heart problems.

What are the risks? (Source Sovereign)

	2 out of 5 will suffer a critical illness before age 65
	57% of heart attack patients will be alive 1 year later
	78% of stroke patients will be alive 1 year later
	50% of cancer patients will be alive 3 years later
	You are probably not concerned about this because you believe that it will not happen to you

As with life insurance, it guards your greatest asset, your power to earn.

Monthly recurring payments in the event of Temporarily and Permanent disablement.

Lump sum payments in the event of Total Permanent disablement.

The affordable solution to allow you the best medical care at the time that suits you and in the hospital of your choice. Also covering a range of additional costs which you may not even have thought of such as accommodation cost for a support person, home nursing care after your operation, overseas treatment, and even if you are treated in a public hospital, you will be paid. 

As a free service to existing clients we arrange the drafting of a will.