New Zealand’s Leading Instant Online Payment & Mortgage Protection Insurance – 0800 302 884

INSTANT
PAYMENT
PROTECTION
INSURANCE

EASY, INSTANT
INSURANCE COVER
ONLINE IN UNDER
5 MINUTES

Looking for life insurance that’s quick to buy?

Instant Insurance is a hassle free way of getting life cover. It’s quick and easy,
it won’t tie you up with mountains of forms. Get covered in a matter of minutes.

How Is This Easy Or Instant?

It is ‘Simple’ & ‘Instant’, choose the type of cover, the amount of cover, tell us some personal details, accept the quote and enter your billing details. Once we send you the policy document you are covered!

Who Is The Insurance Provider?

Instant Insurance offers access to the Sovereign ‘Simple Life’ Product. Simple Life is provided by Sovereign Assurance Company Limited (“Sovereign”).

instant-redundancy

Redundancy Benefit

This is an optional benefit. If you have a Redundancy Benefit, it will be shown in the schedule.

You cannot have the Redundancy Benefit unless you also have the Loan and Rent Assistance Benefit for the same life assured.

What we cover

If the life assured:

Is made redundant at least 90 days after the policy start date; and

Was employed continuously for 90 days prior to the effective date of the redundancy, we will pay you the Redundancy Benefit for the life assured.

What we pay

The Redundancy Benefit is the monthly amount shown in the schedule.

We will pay the Redundancy Benefit monthly in advance for three months, commencing four weeks after the effective date of the redundancy.

instant-life

Life Benefit

This is an optional benefit. If you have a Life Benefit, it will be shown in the schedule.

What we cover

If the life assured dies or is diagnosed with a terminal illness, we will pay you the Life Benefit for the life assured.

What we pay

The Life Benefit is the amount shown in the schedule. We will pay the Life Benefit only once for a life assured, i.e. we will pay if the life assured either dies or is diagnosed with a terminal illness but not both.

What is excluded?

We will not pay the Life Benefit if the life assured’s death or terminal illness is directly or indirectly caused or contributed to by:

  • Suicide or attempted suicide within thirteen months after the policy start date; or
  • A Pre-Existing Condition (as defined below); or
  • The life assured participating in a Hazardous Activity (as defined below).

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Loan and Rent Assistance Benefit

This is an optional benefit. If you have a Loan and Rent Assistance Benefit, it will be shown in the schedule.

What we cover

If the life assured is Totally Disabled for at least four weeks in a row after the policy start date, we will pay you the Loan and Rent Assistance Benefit for the life assured.

What we pay

The Loan and Rent Assistance Benefit is the monthly amount shown in the schedule. We will pay the Loan and Rent Assistance Benefit as follows:

First Payment Period – we will pay you monthly in advance for each of the first three months after expiry of the four week period.

Second Payment Period – if, after the first three months, the life assured still is Totally Disabled from the same cause, we will pay you monthly in advance for each of the next three months.

New Zealand’s Leading Instant Online Payment & Mortgage Protection Insurance – 0800 302 884

CONTACT US

For an obligation FREE Quote, Fill in the email form below or Free Call: 0800 302 884

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New Zealand’s Leading Instant Online Payment & Mortgage Protection Insurance – 0800 302 884

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