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Cigna Life Insurance NZ Limited ("Cigna") has an A- (Excellent) financial strength rating which was given by A.M Best Company Inc. The rating scale is:
|E||Under regulatory Supervision|
If you're unable to work due to injury or illness, your groceries, power bills, fuel and your rent or mortgage still need to be paid. Cigna can help make sure your family’s everyday essentials are still covered with income protection insurance.
Cigna’s Income Protection Insurance provides you with a monthly payment to help you cover the bills if you’ve suffered from injury or illness. It’s easy to apply for online.
Other benefits for income protection:
If you decide after 30 days the cover is not for you, we'll refund your premiums - no questions asked. If you don’t need full cover, read more about Cigna Bill Cover.
Protect your greatest asset and apply online today. It only takes about five minutes. Alternatively, call our friendly Customer Service Team on 0800 900 047 and they can process your application over the phone.
How much income protection cover do I need?
The level of income protection cover you choose will depend on your needs. Things you'll need to consider:
Can I use my income benefit money on anything?
If your claim is accepted, it's up to you to decide how to use the money. Maybe you'll need to cover bills - such as your mortgage, day-to-day bills, or to ensure that your family's lifestyle is less affected by your inability to work.
Can my spouse/partner be covered too?
We don't offer joint income protection cover but your spouse/partner can apply for Income Protection from Cigna separately.
For some special risk occupations, there is a maximum monthly pay out of $3,000. We recommend you read the brochure and the policy wording for full product information. Open to all NZ residents aged 18-59 working for 25 or more hours a week. Claims that arise from a pre-existing condition you had in the two years before your income protection cover start date are excluded. Income protection expires on the anniversary of your policy after your 65th birthday. We also suggest that you talk to your tax adviser regarding the tax status of the policy premiums and benefits as they relate to you. If you’d like more information, please check the policy wording or phone us on 0800 244 006.
*Offer ends on the October 31st 2014, partially completed applications which are finalised after this date do not qualify for this discount . Offer applies to new Income Protection customers only.