You know you want to protect your family no matter what. We
know how to help you do it.
Protecting our loved ones is something we can all understand.
And in all sorts of little ways, it's something you're already
doing every day. But if you weren't there, what might it mean for
them? If they're not protected, your family could struggle to
maintain the lifestyle they currently enjoy.
Cigna LifeOne is life insurance that's designed to fit your life
and change with you. It's easy to apply, easy to afford, and easy
to change as and when your life does. Buy LifeOne today and
get 10% off your first year's premiums!*
Here are some great reasons to get LifeOne today
Money when it's needed most
If you die your family will get a lump sum payment that can be
used however they want. And because personal life insurance
payments are tax free, you know exactly what they'll get.
Get a healthy living discount of 10%
If you're in good health and don't smoke we'll give you a
permanent 10% off your premiums plus if you buy today you'll get a
further 10% off your first year's premiums.*
Critical Illness cover
If you're in good health you may be eligible for Critical
Illness cover. You can choose up to 50% of your LifeOne cover as an
advanced payout if you suffer from a range of illnesses such as
cancer, heart attacks or stroke or have an accident. This could
make your recovery a little bit less stressful and support your
family while you get better. We'll let you know if you're eligible
once you finish our quick application -then you can choose what
cover is right for you.
Special Event increases
We know that your life changes so we want to make sure you're
covered whatever you do. You can increase your cover by up to 25%
if your life changes - such as a marriage, birth/adoption or
mortgage - quickly and easily without answering any extra health
and lifestyle questions.
Early payout for terminal illness
If you're diagnosed with a terminal illness you'll receive an
early payout to use however you and your family need. You might use
this money for treatments, care, or to take care of your family
during a difficult time.
Cover to suit your needs
With LifeOne the amount of cover is up to you. So if you have
assets or money tucked away, you might opt for lower cover. But if
you have significant debt such as a mortgage, you can choose a
higher level of cover so your family won't be burdened
So how much cover do you need?
We've put together a
simple calculator to work out how much LifeOne cover you may
need to take care of your loved ones' financial future.
You're covered for
accidental death as soon as you apply
So you don't have to take any chances, we'll cover you for
accidental death as soon as you apply and once you're approved your
full LifeOne cover will be in place.
To make sure your cover keeps up with inflation we'll let you
know every year what your new cover level and your premium, will be
- it's your choice to take the extra cover.
Choose when to pay your premiums
Get paid fortnightly or prefer to pay your premiums once a year?
It's up to you how and when you pay your premiums, making it easier
to fit LifeOne in your budget.
We're New Zealand's life insurance experts - and we've been
protecting Kiwi families for over 90 years.
30 day free look period
If you take out a LifeOne policy and you decide it's not for
you, let us know within 30 days and we'll refund any premiums that
you've already paid, no questions asked.
So, if you'd rather be living life than organising life
Here's the small print but big and easy to read and
Death by suicide or intentional self injury is not covered
within 13 months of when your policy starts. In some cases we can't
cover you for existing medical conditions but we'll take you
through this in your application.
You'll find a full list of exclusions and everything else about
our LifeOne policy in the policy wording.
If you applied for life insurance before 25 February 2014, your
cover is slightly different - your policy wording is here.
* Offer ends on 31st March 2014, partially completed
applications which are finalised after this date do not qualify for
the discount. Offer applies to new LifeOne customers only.