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Optio finance
Life Insurance
Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the premium.
The advantage for the policy owner is "peace of mind", in knowing that the death of the insured person will not result in financial hardship for loved ones.
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer.
There are several providers of life insurance in New Zealand and apart from a few minor tweaks most of these providers are providing you with exactly the same cover as their competitors, ther are however variances in the way they calculate your premium. It is therefore a good idea to shop around.
Click here to get quotations for cover from the following Insurance providers:
Sovereign
One Path
Tower
Fidelity Life.
Cash back offer
Taking out life cover through Optio entitles you to 3 months cash back on your premium every 12 months for the 1st two years of your policy. This amounts to 6 months of your premium paid by us.
There is no difference between the premium you pay through us and the premium you would pay if you went direct. Cutting out the middle man is a myth. We are so confident with this statement that we will pay 12 months of your premium back to you if we are unable to compete with a premium you can get direct from any of the providers we work through.
The main benefit of working through a broker is that we are able to provide you with pricing from a range of providers without you having to run around like a headless chicken.
Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the premium.
The advantage for the policy owner is "peace of mind", in knowing that the death of the insured person will not result in financial hardship for loved ones.
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer.
There are several providers of life insurance in New Zealand and apart from a few minor tweaks most of these providers are providing you with exactly the same cover as their competitors, ther are however variances in the way they calculate your premium. It is therefore a good idea to shop around.
Click here to get quotations for cover from the following Insurance providers:
Sovereign
One Path
Tower
Fidelity Life.
Cash back offer
Taking out life cover through Optio entitles you to 3 months cash back on your premium every 12 months for the 1st two years of your policy. This amounts to 6 months of your premium paid by us.
There is no difference between the premium you pay through us and the premium you would pay if you went direct. Cutting out the middle man is a myth. We are so confident with this statement that we will pay 12 months of your premium back to you if we are unable to compete with a premium you can get direct from any of the providers we work through.
The main benefit of working through a broker is that we are able to provide you with pricing from a range of providers without you having to run around like a headless chicken.