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LIFE INSURANCE
 

There are people / tools available who can predict what's going to happen in weather condition in a few days, the sun rise / sun set time and one can plan what time the train starts and reaches its destination. But, can you do this with your life. Do you know for how long you will not fall ill or how much of money you would be earning 3 years from now? How much would be your expenses and what would be the demands of your loved ones.

 

Types of Life Insurance policies

 

 

Life Insurance Policy Type

Benefits of Policy

Rate for Age

Premium increases every year as your age goes up

 

Level Premium

Your premium will remain fix up to the age you choose 65 years or 80 years.

 

Cash Back type

You receive your entire premium back after 20 yrs.

 

Important tips to look for in your policy

 

  • Always look for life policy which covers your legal and financial obligations.

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Trust Insurance Services represents all major companies in the market
Life Insurance
Medical Insurance - Trust Insurance Services
Trauma Insurance - Trust Insurance Services
Mortgage Protection - Trust Insurance
Income Protection - Trust Insurance
 
MEDICAL INSURANCE
 

 

 

Medical insurance protects you and your family from any mishappening in future. In case of your death, your family will be compensated with a complete payment equal to your sun assured.

 

Types of Medical Insurance

 

 
Medical Insurance Policy Type Benefits of Policy

GP and Hospital Plan

This type of medical policy covers day to day General Practitioner (GP) + prescription charges and hospitalization charges.

 

Hospital Plan

Covers only hospital charges

 

Optional benefits - Dental / Eye sight + Specialist

 

Expenses covered under medical insurance

 

  • Overseas treatment

  • Surgical and non-surgical treatments

  • Specialist visits

  • Non subsidizes drugs

  • Medical Tourism (Treatment covered overseas)

  • Diagnostic procedures

  • Cover in Australia & New Zealand

Important tips to look for in your policy

 

  • You can bring your premium down by increasing the excess

  • Always take specialist option

  • Always take coverage which provides overseas coverage

  • Always look for a policy which gives more benefits

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TRAUMA INSURANCE
 

Trauma cover provides you with a one-off lump sum payment if you are diagnosed for the first time with any of the conditions specified in your policy. That lump sum amount can be used to pay your mortgage, paying off your medical bills or even taking the family on holiday. It's your money do whatever you want to do.

 

Types of Trauma Insurance

 

 
Trauma Insurance Policy Type Benefits of Policy

Accelerated Trauma Insurance

This cover is accelerated from your life cover means the claim amount will be deducted from the life insurance amount

Stand alone Trauma Insurance

This cover is standalone from your life cover means the claim amount will not be deducted from the life insurance amount

 

Important tips to look for in your Trauma Insurance policy

 

  • The trauma cover should have maximum conditions covered and not 10/12 conditions offered by other providers

  • Should be on a standalone basis

  • If accelerated should have life buy back selected.

  • Should have trauma buy back option selected i.e multi condition and multi claimable.

  • Some companies offer free trauma cover for children between the age of 0-19 years.

  • Some companies offer built in (TPD) Total Permanent Disability in their trauma cover.

 

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INCOME PROTECTION
 

Income is your greatest asset. All your bills like food, clothing, mortgage, car, insurances, children educations etc. are paid through your income. Your lifestyle depends upon the income .If there is no income you cannot do anything in life. Your regular incomes keeps your life run at a fast pace. Sometimes your ill- health or maybe an accident puts a break in your life style.

 

Most often in these situations comes uninvited and you are forced to stay away from your work and you find it really hard to cope up with the situation. The moment your incomes stop, you are forced to compromise on your life style. Income protection plans allow you to maintain your same lifestyle and fulfil your household responsibilities, pay all your bills. This is the only bill which will pay all your bills when the need arises.

 

 

Types of Income Protection Insurance

 

 
Income Protection Insurance Policy Type Benefits of Policy

Agreed Value

55% of your income is paid by the insurance company

Indemnity Value

75% of income  is paid by the insurance company

 

Important tips to look for in your policy

 

  • By choosing to longer wait period can help reduce your premiums.

  • By choosing shorter payment term will reduce premiums or by splitting the cover can help reduce premiums.

  • Look for specific injury claims, retraining benefit & bed confinement benefits

  • Look for return to work bonus.

  • Look for a dependent relative benefit

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MORTGAGE PROTECTION
 

Buying a home is a dream for all of us. Taking out a mortgage is a major financial commitment. The last thing you want is that the bank takes away your house if for some reason you can't make your loan repayments. It becomes a real bad state of affairs when you cannot pay back your mortgage instalment because of any reason (Illness, redundancy or any injury).

 

Mortgage protection insurance ensures that your monthly mortgage instalments are paid during the time you are not able to earn money due to sickness or disability.

 

What is covered in Mortgage Protection?

 

  • Out of work due to illness/disability

  • Out of work due to redundancy (optional benefit)

Important tips to look for in your policy

 

  • By choosing a longer wait period can help reduce your premiums.

  • By choosing shorter payment term premium will be reduced

  • Look for a dependent relative benefit

Get Free Life Insurance quote from Trust Insurance Services Compare your cover now

 

Click here for more detail on Mortgage Protection

 
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Trust Mortgages and Insurance Services Ltd.
Office # 102, 3067, Great North Road, New Lynn, Auckland 0600

Opposit New Lynn Police Station
Tel Off: +64 (09) 8250117 A/H: +64 (09) 829 2211
Free Phone : 0800 U TRUST US
                       0800 887 87 887

 

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