Funeral Cover. But Better!

by

Funeral Cover – there are more suitable, cheaper options than you see advertised on TV.

A level life assurance policy will often be cheaper and provides these benefits:

  • Once accepted, cover is immediate for death by any cause unlike with a funeral plan which only covers accidental death in the first two years
  • Each year (up to age 70) the life cover increases by the Consumer Price Index (CPI) but the monthly payment NEVER changes
  • Cover will last until you reach age 100 at which point all your premiums will be returned if you are still alive

The key is your health. If you have any ongoing health issues or a family history of serious illness then this is NOT for you. BUT if you don’t, then you MUST complete the form below and find out what a level life policy will cost you before you buy any other funeral insurance.

(If you do have some health concerns or a family history of illness, scroll down below the form.)

If you do have some health concerns or a family history of illness, then you should consider this funeral plan:

  • Guaranteed acceptance
  • $12,000 level of cover
  • Pay for 10 years only, cover for life

Take a look at the table below. Find your age, gender and smoker combination, then look across to see how much it will cost on a fortnightly basis.

Now, time to get out your smartphone calculator. Multiply that fortnightly cost by 26, then multiply the result by 10.

That will give you the total amount you will ever spend on this funeral life cover policy. That’s because you only pay premiums for 10 years. Even if the total is a lot less than the $12,000 level of cover. Make a note of that total.

Before we move on, consider how many more years you expect to live. Be realistic, but also consider we are all living longer these days. Make a note of how many more years you expect to enjoy.

Pick another company’s funeral plan and get a quote for $12,000 cover. Now do this simple sum:

Other Plan Yearly Cost x Years I Expect To Live = Total Other Funeral Plan Cost

Compare my funeral plan total with the other funeral plan total and choose which one you want to pay.

Remember too, if you stop paying premiums with most other funeral plans (including the TV advertised ones) your cover will stop and all that you have paid in to that point is lost.

Once 10 years are up with my Funeral Plan Offer you will pay no more premiums and the cover is there for your family when needed. It is provided by one of NZ’s oldest and most respected life insurers with an A- (Excellent) credit rating (financial strength) from A.M. Best. The rating has remained unchanged since December 1996.

The application is very short and straightforward, no health questions, no medical required. When you are ready to complete the application, just email, call or message on the contact details below and we will have it done in 5 – 10 minutes.

027 940 0142 or nigel@talkmoney.co.nz

Guaranteed acceptance. Entry ages 16 – 64. NZ Citizens or permanent residents only.