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Cover options

Life insurance icon Cigna Life Insurance New Zealand Limited

Life Cover

We’ll pay you a lump sum if you or a key person dies or is diagnosed with a terminal illness

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Accelerated Complete Disablement Cover

We’ll pay you a lump sum if you or a key person within your business becomes completely disabled through illness or injury

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Key person start-up cover

If you or a key person become disabled and was unable to work we'll pay you a monthly benefit to compensate for any business losses

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Premium cover

Your insurance premiums will be covered if you or a key person in your business is unable to work through disability

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Accelerated Trauma Cover

We’ll pay you a lump sum if you or a key person suffers from a defined serious illness or condition.

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Business overheads cover

Monthly payments of eligible business overheads if you or a key person was unable to work due to disability as a result of illness or injury

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Specific Injury

Insurance that pays a lump sum amount if you or a key person suffer one of the covered injuries as a result of an accident.

Is Business Assurance for me?

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Please note: by selecting ‘speak to an Independent Financial Adviser’ above, you authorise us to share your contact details with an authorised independent financial adviser in your area to discuss your insurance requirements

What else do I need to know?

Need help with a claim or have a question not answered here?

Call us free on 0800 900 047, or email claims.nz@cigna.com.

What happens if the policyholder is diagnosed with a terminal illness?

Life Insurance doesn’t only cover people when they pass away, it can provide critical cover for people diagnosed with a terminal illness. In a lot of these instances, the Life Insured needs to stop working and has expensive medical bills to cover, yet their day-to-day living costs don’t stop. Having a Life Insurance Policy can therefore be a worthwhile investment to help manage these unexpected circumstances.

If the policyholder is diagnosed with a terminal illness, we will pay you the current Life Cover Amount (i.e. the sum insured), up to a maximum of $500,000. If this payout doesn’t cover the full amount insured, the rest will be paid out when the policyholder passes away, provided premiums continue to be paid during this time. If we pay the Terminal Illness Benefit equal to the current Life Cover Amount, the Policy will end and no further premiums will be payable.

Our Cigna policy wording has further information on this if you would like to learn more about terminal illness cover as well as other parts of a Life Insurance Policy.

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