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Premium Cover
Insurance that pays your premiums so you can continue your policy if you become disabled, are made redundant, declared bankrupt or if your company goes into liquidation.
If you were to become disabled and unable to earn an income, then your financial priorities would change. Premium cover removes the need to pay your premium while on claim, so you can focus on your recovery.
Premium Cover is mandatory if you have Assurance Extra Income Cover or Mortgage Repayment Cover.
What's included:
Payment of your total policy premium while you're disabled
Payment of your total policy premium for up to six months if you are made redundant, declared bankrupt or if your company goes into liquidation
Includes a waiver of your waiting period if your disability returns within 12 months of going off claim
If your policy has been in force for at least three years in a row, we'll pay the total premium for the remaining lives assured on the policy for up to two years if you pass away
What's excluded:
Intentional self-harm, including attempted suicide
Taking part in a criminal activity
Pregnancy or complications resulting from pregnancy, unless the disability lasts more than 90 days after the pregnancy
Not following the advice or treatment of, or under the regular care of, a medical practitioner
Increases to the total premium from increasing your cover or adding new covers while on claim
Important information
The information provided is a summary only of the product features and terms of cover. Please refer to the policy wordings for full details 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 personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. The information is current as at November 2020 and is subject to change.
Cover you can trust
We've been operating in New Zealand for over 100 years, and now protect more than 450,000 New Zealanders with our insurance policies.
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Cover tailored to your needs
We're here to help protect your financial future with the right cover for your situation and life goals.
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TALK TO A CIGNA ADVISER
Please fill in your details below and one of our advisers will contact you about premium cover
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.
