PERSONAL INSURANCE


Life Insurance





Life Insurance

Though not a pleasant thought it's important to think about this: when you die, who will you leave behind? 

Every day you face a wide range of risks to your personal wellbeing and lifestyle but if you were to die early what would be the impact on your loved ones? The truth is, it's always a struggle when you lose someone you love. But your emotional struggles don't need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you're not there to care for them yourself. 

Life insurance payment provides a one-off payment on your death or if you are diagnosed as being terminally ill, which can help your family continue to live the life you've planned together. The money can be used for whatever you decide such as:

  • Clearing the mortgage and any other debt
  • Funeral and legal expenses associated with your death
  • Keep the kids at their school and fulfil future education plans
  • Provide an income for your spouse while bringing up young children
  • If you’re renting the life insurance payout could buy your family their own home

The ideal situation is to leave your family in a position as if you were still here financially

An Adelphi Insurance adviser can sit down with you and your partner, in the comfort of your home, and develop your family’s Personalised Insurance Plan to determine the ideal level of Life Insurance cover you need for your family’s unique circumstances and needs. 

Life insurance provides you and your family with financial certainty and support in the time of need.

Some food for thought...

  • On average there is one death in New Zealand every 16 minutes. (1)
  • Cancer was the leading cause of death for both males and females in New Zealand in 2009 with 8,437 people having cancer recorded as the underlying cause of death. (2)
  • In New Zealand, around 22 people die each week from bowel cancer. (3)
  • Stroke is the third largest killer in New Zealand (about 2,000 people every year) (4)
    1. Statistics New Zealand, Population Clock, June 2012, www.stats.govt.nz
    2. Ministry of Health. 2012 Cancer: New registration and deaths 2009
    3. New Zealand Cancer Charitable Trust, 201
    4. The Stroke Foundation of New Zealand, 2012

Death & Terminal Illness Claims

For the past three years (2011-2013) Fidelity Life has paid a total of $69 million in death and terminal illness claims.

The details below are for one year to 30 June 2013  

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Source: Fidelity Life Annual Report Claim Statistics 2011-2013. 

 

 

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