Kateli Consulting Ltd
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Life Insurance - Plan Ahead before you're d__d!

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​Life Insurance is mainly designed to pay a lump sum amount upon death. Some covers also pay monthly amounts for a certain period of time.
 
The life insurance you need changes with your responsibilities so a regular review is a good idea.

​If you already have insurance but feel your needs have changed, contact us to see if you are correctly insured. 

​There are a few online  sellers nowadays, all of them projecting these as simple and cost-effective ways of organising these.

A word of caution

Any insurance which is designed to pay out on events of death, disability and illnesses almost always has to be underwritten. Underwriting is the process of evaluation of the insured person’s health and risk profile by the insurer before accepting the cover. This is an area which is fairly elaborate in the kinds of questions asked, and it is imperative that the correct information is supplied to the insurer at that time, to avoid problems at claim time.
 
An example: A question like “Have you had any current, or history of, cardiac risks?” This can mean that even persons with well controlled ailments like high blood pressure, high sugar levels or high cholesterol still need to answer ‘Yes’ to that question, and provide details. Not only that, but if the person has  ever had the slightest episode of a condition like this in the past, which has now resolved itself, they would still need to answer ‘Yes’. If not, then there can be issues at claim time.
 
When things can be so tricky, why would you want to risk organising something on your own which can have a huge financial impact on the people you leave behind? Why not avail yourself of a professional advisor who can guide you through this process correctly at no extra cost? Especially if we can also hunt out the best value options in the market for you?
 
Not doing so would be akin to trying to self medicate for a serious ailment by looking it up on the web, when the Doctor’s service is free and that too as a home visit.
 
Be smart, use a professional, non-aligned Advisor. 

Free advice & review of Life insurances. ​​

FREE NO-OBLIGATION APPOINTMENT
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Ph: (09) 271-4525
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porus@kateliconsulting.co.nz​
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  • Home
  • Insurance Products
    • Life Insurance
    • Trauma Insurance
    • Medical Insurance
    • Total Permanent Disability Insurance
    • Mortgage Protection
    • Income Protection
    • Redundancy Protection
    • Funeral Cover
    • Reducing ACC Levies
  • Insurance Reviews
  • BLOG
  • Contact
  • TESTIMONIALS