LIFE INSURANCE

LIFE INSURANCE

Why do I need life insurance?

In the event of death, families can be crippled with the financial burden that comes with losing one of their households’ incomes. Families can struggle to pay for a funeral, mortgage, personal debt and living expenses. This means that after death, your family’s lifestyle can be drastically affected.

Let’s protect your family together.

Life Insurance is designed to provide security for a wide range of financial commitments by paying a lump-sum payment on your death. This is essential to ensure that your family are looked after and that they maintain the same pre-death lifestyle.

Secure your world, your way.
Explore tailored life coverage that suits your life.

 FAQs

  • Yes, some policies allow you to adjust your coverage. For example, with certain permanent life insurance policies, you may be able to increase or decrease the death benefit, or adjust the premium payments.

  • Premiums are the payments you make to the insurance company to maintain your life insurance coverage. They can be paid weekly, fortnightly, monthly, quarterly, six-monthly, or annually, depending on the policy. Failure to pay premiums may result in the lapse of the policy.

  • The amount of life insurance you need depends on factors such as your financial obligations, income, debts, and future expenses.

  • There are two main types of life insurance: term life insurance, which provides coverage for a specified term, and stepped life insurance, which covers the insured for their entire life.

  • I have trusted my insurance needs to Craig Smith of Smiths Insurance & KiwiSaver for a number of years. They have served me and my family well, knowing that we are well covered with the best policy on the market if the unexpected was to happen.

    Steve Kennedy / Director, EQ Consultants

  • I have been working with Craig Smith as my insurance broker for the past 10 years and I have nothing but great things to say about him. He is knowledgeable, professional, and always available to answer any questions I have. He has helped me find the best insurance coverage for my needs at the best price. I highly recommend Craig Smith as an insurance broker.

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  • I have been working with Craig Smith as my insurance broker for several years now and I have always been impressed with his reliability and efficiency. He is always available to answer any questions I have and makes sure I get the best coverage for my needs. I highly recommend Craig Smith as an insurance broker.

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  • I have had the pleasure of working with Craig Smith as my insurance advisor. He was incredibly reliable and professional throughout the entire process. He was always available to answer any questions I had and made sure I was fully informed of all my options. I highly recommend Craig Smith.

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  • Craig Smith really adds value service and understands the industry well. Give him a try he won’t let you down.

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