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What are your goals?

So what are your financial goals? Retirement savings, education, health, paying off your mortgage, a beach house?

Think about it for a moment – if your health failed (or you were to die), how would that affect your financial future, or that of your family, should they be left without you? Suddenly all of your dreams and plans for the future would need to be seriously revised or may no longer be possible.

The good news is that with the right life insurance you can still protect what you value most – lifestyle, family, health, even the home you live in no matter what.

Life & Life Income Cover

Life Cover pays you a lump sum if you die or are diagnosed with a terminal illness. Life Income Cover pays a monthly benefit for a period of time.

If you died, how would your family cope financially? What do you want for their future?

Life & Life Income Cover is an easy and cost-effective way to provide for your family. Once it's in place you can rest assured that you have done the right thing for you and your family, and you only need to revisit it if your circumstances change.

Trauma Cover

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.

Mortgage Repayment Cover

Pays you a monthly amount to cover your mortgage repayments if you become totally disabled as a result of illness or injury.

Does your mortgage (or the prospect of one) feel like a weight on your shoulders? Imagine how much heavier that weight would feel if you you were unable to work and couldn't meet your monthly repayments? Consider that you may be forced to sell your home - something no one wants to face when they are unwell.

Protecting your mortage is common sense - it's just one thing you can do to help ensure that no matter what happens to you, your home is secure.

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. Click here to view brochure.

Income Cover

Pays you a monthly amount to compensate for your lost income due to a disability as a result of an illness or 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 live the life you want to live. You will remain financially independent, regardless of whether or not you are able to return to work.

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. Click here to view brochure.

Complete Disablement Cover

A lump sum amount if you become completely disabled due to illness or injury.

If you become completely disabled through an accident or illness, you may receive limited ACC cover and a basic sickness benefit. Would this be enough to cover your current living expenses and allow you to plan for your future? Probably not.

A lump sum payment will allow you to pay off debt and set yourself up for the future. You will have the financial freedom to live your life to its fullest potential and to make your own choices about the care and treatment you require.

Premium Cover

Pays your total insurance premiums if you are disabled and unable to work.

If you were to become totally disabled and unable to earn an income, then your financial priorities would change. With the right insurance in place you won't have to tighten your purse strings too much. Premium Cover will assist you even further by paying for the cost of your policy for the entire time you are on claim. One less thing to budget for!

Cigna New Zealand

A-Rated for our financial strength by A.M Best Company Inc

Cigna Life Insurance NZ Limited ("Cigna") has an A (Excellent) financial strength rating which was given by A.M Best Company Inc.

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SECURE
A++ A+
Superior
B++ B+
Good
A A-
Excellent
VUNERABLE
B B-
Fair
E
Under regulatory Supervision
C++ C+
Marginal
F
Under regulatory Supervision
C C-
Weak
F
Suspended
D
Poor