Starting a family

Life insurance and your family – welcoming a new baby, great moments and a whole new kind of responsibility.

Having a new baby can make you start asking some really big questions: what’s most important to you and how you can look after the people you love, even if you’re no longer around to do it?

That’s why more than 50 per cent of Kiwis have life insurance cover: so they have a plan in place to protect their family’s lifestyle and financial dreams should anything happen to them.

But if you’ve got a young family, then chances are you’ve also got a lot of bills to pay and lots of new expenses that come hand-in-hand with new responsibilities. And because life insurance is no longer just about lump sum payout – it’s evolved to include such things as ‘living insurance’ or monthly payouts – you need to strike the right balance between cover and affordability.

This is where an insurance adviser can help you most – by listening to your situation, understanding your needs, and then identifying the best types and levels of cover for you and your family. Your insurance adviser knows what policies are available and how they work, because they deal with them day in and day out. They’re here to help you get your insurance mix right, so you have more time think about other things – like when you’ll next have a full night’s sleep.