QUICK COVER LIFE INSURANCE
Pre-existing conditions are covered after 3 years, some permanent exclusions apply*
This Life Insurance is a product that can offer you a simple solution with no tough medical questions to answer and no medical tests. This means you can get cover which is fast and super easy in less than 5 minutes, or if you want to speak to an adviser or have extra questions contact us at the number below
Quick Cover Life Insurance pays out a lump sum on your death or if you are diagnosed with a terminal illness (terminal illness is defined as a condition that is expected to cause death within 12 months).
Anyone aged 21 to 60 can get Quick Cover. Acceptance is guaranteed regardless of your medical history and any medical conditions* you already have will be covered after the initial three year period.
* A few conditions are permanently excluded.
Because your acceptance is guaranteed, the cover is provided in two stages.
For the first three years, you are not covered for any conditions you already have but you are covered for accidents and any new conditions that may develop during this time. After three years you are covered for new and existing conditions, although a few conditions are permanently excluded.
This two-step approach means cover can be provided to everyone without having to ask a lot of medical or lifestyle questions.
Up to $200,000 cover
You choose the amount of cover you want, from $50,000 to $200,000 (or any amount in between), subject to a minimum premium of $10 per month. The premium you pay is based on your age, gender and whether or not you smoke.
Premiums generally increase each year in line with your age. If you prefer not to pay more, when the time comes you'll be given the option to freeze your premiums instead. This means you will continue to pay the same amount but your cover will reduce each year.
What isn't covered?
The only events not covered are death or terminal illness caused by:
- an existing injury, illness or degenerative condition, suicide or intentional self-harm occurring in the first three years
- HIV, AIDS or any related condition
- The use of alcohol or non-prescribed drugs
- War or warlike operations
These exclusions are detailed in full in the policy document.
Money back guarantee
You can buy online or over the phone. You'll be sent a policy document within a few days and if you then decide the cover isn't exactly what you want, you can cancel the policy within the first 30 days and any premiums paid will be refunded in full.
Download Quick Cover Policy
Download Quick Cover Brochure
Call 09 390 7411 for more information
Get a life insurance quote from our calculator or
Please note this is a non-advice Product. The attached insurance solution is not personalised to your specific needs. The insurer is able to offer this non-underwritten product as it relies on an exclusion for any claims arising directly or indirectly from any pre-existing medical conditions for any claims in the first 3 years of taking out the policy. After your policy has been in place for 3 years all medical conditions will be covered
* a few conditions are permanently excluded - see "what isn't covered" section of the brochure.
* Please see exclusion brochure and policy wording for full details.