Liberty Life
New Zealand
- ACC CoverPlus Extra
If the money you earn each year fluctuates, you should consider ACC CoverPlus Extra.
Read more ... - Insurance for Women
The financial impact generally falls on women when financial lifelines are not in place offering her security.
Read more ... - Affordable Medical Insurance
Medical insurance keeps you in control of when and where you get medical treatment.
Read more ... - Member of the AIS Group
women's needs
If you're a woman, you have special insurance needs
The reality is, men and women have different views on their financial future.
In a recent survey women's greatest concerns were:
- Paying the monthly bills.
- Protecting the family's income if they or their spouse should die.
- Protecting their income if they or their partner becomes disabled or redundant.
- Funding their children's education
- Paying for long-term care in later years.
- Funding their retirement.
Life insurance lays the foundation for your future financial security
As a woman, you
are exposed to the risk that if your husband dies before you (as will be the
case for the vast majority of women) you will suddenly have to deal with a variety
of financial matters, which you may not have considered for years.
You will face the stress of dealing with unpaid accounts or the mortgage debt, or the huge financial burden of losing your husband's income.
It's quite possible you will have insufficient funds to repay the debt - let alone provide for any income or other future financial needs of your surviving family. That's why life insurance is the foundation for your future financial security.
Click here to get a real-time quote
It's wise to insure yourself against accident or illness
The cancer rate among women in New Zealand is alarming. Women's melanoma risk is the highest in the world in New Zealand, together with breast cancer. More than 2500 women are diagnosed each year with breast cancer and 600 die from it. The consequences are not only emotionally crippling but can also be financially crippling to the family as well.
That's why it is wise for women to have Trauma or Critical Illness Insurance. It means if you are diagnosed with cancer, you will receive a lump sum payment. This will allow you to pay additional medical bills and clear debt, as well as providing you with a financial cushion whilst you rest and recover.
If you're a professional woman, who will pay your mortgage if you get sick?
Professional women, who are off work for a prolonged time due to a serious illness, struggle to pay their mortgage instalments and run the risk of losing the roof over their head. That's why if you are a professional woman, it is sensible to have Mortgage Repayment Insurance which guarantees to pay your monthly instalments when you are too sick to earn an income. There are no offsets from ACC so you can receive an ACC benefit as well.
Furthermore, you will receive a redundancy benefit which can help to remove any concerns you may have about meeting your financial responsibilities while you go through this difficult time. You will receive a monthly benefit, equivalent to your mortgage repayments, for up to six months.
Contact us
Gwyn Gray has a special interest in advising women on how to address these serious concerns. For advice, call Gwyn on 09 522 4651 or use the contact form to discuss any of your insurance needs
