Assurance Extra | Cigna New Zealand

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.

Download product 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 October 2021 and is subject to change.}

^{Personalised service}
_{we get to know you and your personal situation to offer the best advice}
^{Multiple policies}
_{we can take care of life, travel 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

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 Cigna adviser

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 will then be able to recommend a policy that best fits your needs.

Advise

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

Ongoing relationship

Your adviser will notify you once your application has been processed – and you’re all done! We’ll check in with you on an annual basis 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.

Cover options

Life & Life Income cover

^{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 Cigna Client Benefits which offer a range of additional services

Download Life & Life Income cover brochure

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.

Download Trauma cover brochure

Complete disablement cover

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.

Download Complete disablement cover brochure

Income cover

^{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.

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.

Download Redundancy Cover brochure

Mortgage repayment cover

^{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

Download Mortgage repayment 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.

Download Redundancy Cover brochure

Specific injury cover

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.

Download Specific injury cover brochure

Premium cover

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

Download Premium cover brochure

^{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 Cigna Client Benefits which offer a range of additional services

Download Life & Life Income cover brochure

^{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.

Download Trauma cover brochure

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.

Download Complete disablement cover brochure

^{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.

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.

Download Redundancy Cover brochure

^{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.}

Home and contents insurance
Rates

Download Mortgage repayment 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.

Download Redundancy Cover brochure

Download Specific injury cover brochure

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

Download Premium cover brochure

Is Assurance Extra for me?

Talk to an adviser near you for a no-obligation chat about your personal insurance needs.

First name *

Last name *

Email address *

Phone *

Suburb *

City *

Product Interest * Life Insurance Income Protection Critical Illness Other

Best time to call: * Morning Afternoon Evening

Would you like to speak to a Cigna Insurance Adviser or an Independent Financial Adviser? * Speak to a Cigna Insurance Adviser Speak to an Independent Financial Adviser

Any further info? (optional)

Thank you for submitting your message, we will be in contact with you shortly.

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

Prefer to do it online?

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

Get an instant quote

What else do I need to know?

Am I eligible for client benefits?

Eligible policies for client benefits are: Assurance Extra, Business Assurance, Business Extra, Agribusiness Extra, Life Cover Plus, Mortgage Extra, Rural Extra, Children’s Extra and Grandchildren’s Extra.

The benefits are only available to the policy owner, life assured and dependent children. A dependent child is aged 16 and under (or up to 21 years old if in full time education and financially dependent on the policy owner or life assured).

The benefit must be received and claimed within 13 months of the life event occurring.

A referral from a medical practitioner is required to be eligible for the fitness and nutrition benefits.

Can I be covered if I smoke?

Yes.

Can I reduce or increase the cover after my application has been submitted?

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.

Is there any policy criteria for client benefits?

You must have an in-force Cigna insurance policy to receive a client benefit. Your Cigna policy must have been in force for a minimum of 90 days and your policy must not be in arrears.

Will my life insurance premiums increase as I age?

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

Will I need to have a medical examination?

You will not necessarily require a medical examination in order to obtain a Cigna 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 require you to visit your doctor for an examination.

Can I apply for a new policy?

We’re continuing to accept applications for policies, but in light of the medical and financial impacts that COVID-19 is likely to have, we’ve made some changes to how we assess applications for underwritten products, such as Life Cover or Income Protection.

There may be heightened risk for applicants with certain occupations, employment status and underlying medical conditions. So we need to take these risks into account before we issue new policies.