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Life Cover


Insurance that pays you a lump sum if you or a key person dies or is diagnosed with a terminal illness.

Life Cover is an easy and cost-effective way to protect your business if you or a key person dies or is diagnosed with a terminal illness.

It provides peace of mind that your business can continue to operate at a time when key decisions about the future of your business need to be made.

Trauma Cover


An insurance that pays you a lump sum amount if you or a key person suffers from a defined serious illness.

On-going improvements and advancements in modern medicine mean you have a greater chance of surviving a serious illness or condition, but the financial impact it can have on your business can be significant.

Having Trauma Cover in place can help minimise that financial impact.

Complete Disablement Cover


An insurance that provides a lump sum amount if you or a key person becomes completely disabled due to illness and injury.

Many of us invest our lifetime and a lot of money into building a successful business. Having Complete Disablement Cover means if you or a key person within your business becomes completely disabled through illness or injury, your business can either continue to operate into the future or provide you with money to buy or sell out.

Business Overheads Cover


An insurance that pays you a monthly amount as reimbursement of eligible business overheads or the reasonable costs of employing a locum if you are unable to work due to a disability as a result of illness or injury.

Business Overheads Cover removes some of the operational and financial strain of covering business expenses so you can focus on your recovery.

Overheads include fixed costs like rent, vehicle expenses, electricity etc.

Key Person Start-Up Cover


An insurance that provides an agreed monthly payment to compensate for losses the business may face if you or a key person is unable to work due to a disability as a result of an injury or illness.

The smaller the business the greater the reliance there is on one or two key employees. You and the key employees in your business are its most valuable assets. The expertise and knowledge you and your key people contribute is essential to the running and the success of your business.

Key Person Start-Up Cover is specifically designed to protect new small businesses from the financial impact caused, if you or a key person is unable to work due to an illness or injury, by providing pre-agreed monthly payments to ensure your business stays afloat while you or a key person recovers.

Premium Cover


An insurance that pays your total insurance premiums if you, or a key person in your business becomes disabled and is unable to work.

If you or a key person were to become totally disabled and unable to contribute to the business, then business priorities would change. If you have the right insurance in place you shouldn 't have to tighten your purse strings too much.

Premium Cover assists your business by paying for the cost of your policy for the entire time you are on claim meaning you have one less thing to budget for!

Is Business Assurance for me?

Running your own business is one of the most rewarding jobs. And watching it succeed makes all your hard work worthwhile.

That’s why it’s important to have the right insurance and succession planning in place. It means you can control what happens in the future if something unexpected was to happen to you or a key person in your business.

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