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Assurance Extra

Assurance Extra is our master policy for your personal life insurance needs. With the help of a qualified Insurance Adviser, you can mix and match nine cover options to suit your needs and budget. 

Protect what matters most

You've worked hard to get where you are today and along the way you are likely to have come to appreciate a number of areas in your life that are important to you, such as your family, your income, your home, your health and your lifestyle. But what if the unexpected should happen – how can you protect the things you value? This is why insurance is so important.

 

The information provided is only a summary of the product features and terms of cover. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at August 2022 and is subject to change.

Assurance Extra options
Assurance Extra options

Life & Life Income Cover is an easy and cost-effective way to provide for your family if you die or are diagnosed with a terminal illness.

  • Provides a lump sum or monthly payment if you were to die or be diagnosed with a terminal illness.
  • Provides a partial payment of the Life Cover or first month’s Life Income Cover sum insured immediately upon notification of death to assist with funeral expenses.
  • An early partial payment of the Life Cover or three month’s Life Income Cover sum insured if you are diagnosed with one of the listed conditions under the Advance Terminal Illness Benefit.
  • Access to our Chubb Life Client Benefits which offer a range of additional services.

More about Life & Life Income Cover    

Download Life & Life Income Cover brochure

The information provided is only a summary of the product features and terms of cover. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at August 2022 and is subject to change.

Insurance that pays a lump sum amount if you suffer from a defined serious illness or condition.

Have you ever thought about what your lifestyle might be like if you became seriously ill?

Trauma Cover gives you financial freedom to make your own choices, at a time when your health has been seriously affected, and you may have to rethink your future.

More about Trauma Cover    

Download Trauma cover brochure

The information provided is only a summary of the product features and terms of cover. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at August 2022 and is subject to change.

Having complete disablement cover means if you become completely disabled through illness or injury, you have the support you need to focus on your recovery.

More about Complete Disablement Cover

Download Complete Disablement Cover brochure

The information provided is only a summary of the product features and terms of cover. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at August 2022 and is subject to change

Insurance that pays you a monthly amount to compensate for your lost income if you were to become disabled as a result of illness of injury

If you had an accident or became very ill and were no longer able to earn an income, how would you manage financially?

Income Cover provides you with a regular income, allowing you to meet your regular living costs. You will remain financially independent, regardless of whether or not you are able to return to work.

More about Income Cover           

Download Income Cover brochure

 

Optional extra - Redundancy Cover

An insurance that pays a monthly benefit for up to 6 months if you are made involuntarily redundant. It can only be chosen with Income Cover and/or Mortgage Repayment Cover. 

More about Redundancy Cover

Download Redundancy Cover brochure

The information provided is only a summary of the product features and terms of cover. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at August 2022 and is subject to change.

Insurance that pays you a monthly amount to help cover your mortgage repayments, rent or to compensate you for lost income if you were to become disabled as a result of illness or injury.

Making sure your mortgage repayments, rent or your ability to earn an income, are protected makes sense. Mortgage Repayment Cover helps relieve the financial responsibility of having to pay your mortgage or rent, or helps provide ongoing support, if you become disabled and can no longer earn an income.

You can choose to cover up to 115% of your mortgage or rent, or up to 45% of your income. This means that your cover will not only pay your mortgage or rent, but can help cover additional expenses such as:

  • Home and contents insurance
  • Rates.

More about Mortgage Repayment Cover

Download Mortgage Repayment Cover brochure

 

Optional extra - Redundancy Cover

An insurance that pays a monthly benefit for up to six months if you're made involuntarily redundant. It can only be chosen with Income Cover and/or Mortgage Repayment Cover.

More about Redundancy Cover      

Download Redundancy Cover brochure

The information provided is only a summary of the product features and terms of cover. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at August 2022 and is subject to change.

Redundancy Cover can only be chosen with Income Cover and/or Mortgage Repayment Cover. 

Please see the Income Cover and Mortgage Repayment Cover options for more information. 

Accidents can happen at any time and the injuries sustained can vary from minor to major, however the impact on your ability to do everyday tasks or work could be significant. Having Specific Injury Cover provides you the extra financial help that you may need during recovery.

More about Specific Injury Cover                   

Download Specific Injury Cover brochure

The information provided is only a summary of the product features and terms of cover. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at August 2022 and is subject to change.

Premium Cover could pay for the cost of your policy for the entire time you are on claim, meaning you have one less thing to budget for.

More about Premium Cover               

Download Premium Cover brochure

The information provided is only a summary of the product features and terms of cover. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at August 2022 and is subject to change.

What else do I need to know?
What else do I need to know?

Yes.

Yes. You can reduce or increase your requested insurance cover at any time during the assessment process. If you wish to increase cover, be aware that the process could take longer as additional information may be required.

You must have a Chubb Life insurance policy that's currently in-force and has been for at least 90 days. Your premuim payments must be up to date (ie your policy is not in arrears).

It’s very common for insurers to increase your Life Insurance premiums as you age. At Chubb Life, your premiums will be adjusted on each policy anniversary date . These changes will reflect your current age and cover amounts. You'll always be advised in writing prior to any changes being made to your premium.

You won't necessarily require a medical examination to purcahse a Chubb Life Insurance Policy. Medical examinations are only required for two reasons. First, if you have requested a large amount of cover. Second, if you have a medical condition that requires a doctor's input to make a fair assessment.

In some cases where you report a medical condition, we may send a form to your doctor to complete, rather than ask you to visit your doctor for an examination.

Ready to get started?

Find the right cover for you 

To make sure you choose the right cover for your needs, you'll need the help of a qualified Insurance Adviser. We can connect you with an Adviser near you. Leave your details and someone will give you a call for a quick, no-obligation chat about your personal insurance needs.

Benefits of a personal adviser

It's a real one-to-one service, we get to know all about you to offer a personalised recommendation on what suits you best.

You'll also be able to contact your Adviser at any time to update your details, and they can take care of claim applications on your behalf.

What can I expect?

You can talk to your Adviser, either face-to-face, in a video call, or over the phone to get things started.

Good to know
Good to know

Personalised service

We get to know you and your personal situation to offer the best advice.

Multiple policies

We can take care of life and business cover - whatever you need.

Pre-existing conditions and exclusions

We can offer advice on these to help the process run smoothly. 

On your side

Our qualified Advisers have your best interests at heart.

How our Advisers work with you

  1. Contact

    Tell us a little bit about you using our online enquiry form and one of our insurance advisers will be in touch at a time that best suits you. Alternatively you can call direct on 0800 55 88 60.

    Talk to a Chubb Life Adviser

  2. Discuss

    Our Insurance Advisers can meet you face to face or over the web/phone to discuss what’s important you, and any factors that may affect your life insurance quote. We'll then recommend a policy that best fits your needs.

  3. Advise

    Once you’re ready, we'll support you in putting through an application for our underwriters to assess. During this stage we have temporary cover options to offer you peace of mind.

  4. Ongoing relationship

    Your Adviser will notify you once your application has been processed – and you’re all done. We’ll check in with you annually to make sure your chosen policy is still your best option. Should you need assistance outside of this, your personal Adviser will be just a phone call away.

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Prefer to do it online?

You can get an instant quote for LifeOne® Life Insurance and apply online for immediate cover.

Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit www.ambest.com/ratings/guide.pdf