SimpleLife Insurance
Are you protecting what really matters?
If your family and their wellbeing is important to you, then you need life insurance: it's that simple.
No one wants to think about dying, but the reality is, life goes on for your family and bills will still need to be paid whether you are there or not. You want to know that they won't be struggling financially should you die or be diagnosed with a terminal illness, and that your funeral expenses are all covered.
DorchesterLife have made life insurance easy with SimpleLife:
- Up to $250,000 cover
- Only 6 simple health questions
- Fortnightly payment option
How much does it cost?
The premium you pay depends on your age, sex, whether you are a smoker or non-smoker and if you have any pre-existing medical or health conditions. You can get an indication of our current premiums (based on healthy lives, with no pre-existing conditions) with our easy to use SimpleLife Premium Calculator below:
Simply choose the level of cover you want, from the table below, download and return the completed application form.
Simple.
| SimpleLife Cover Levels (Sums Insured): |
| $50,000 |
$100,000 |
$150,000 |
$200,000 |
$250,000 |
What are the benefits of SimpleLife Insurance?
- SimpleLife Cover provides a tax-free lump sum payment if you die or are diagnosed with a terminal illness, giving you the comfort and knowledge that your family will be looked after, up to your Sum Insured.
- Accelerated Funeral Advancement payment of $10,000, paid out immediately on formal notification of your death to help with funeral expenses.
- Terminal Illness Advancement Benefit of the Sum Insured if you are diagnosed with a terminal illness.
- Interim guaranteed Accidental Death cover of the Sum Insured while your application is being processed (for up to 30 days).
- Special Events Increase facility allows you to increase your Sum Insured by $50,000 (up to $250,000 total cover) prior to age 55 if your circumstances change, without having to provide any further medical evidence (eg. upon marriage, birth of a child, mortgage increase etc).
- A 10% discount applies for paying your premium annually.
- A 10 % discount for joint applicants.
- 30 Day FREE-LOOK period.
- SimpleLife Insurance is underwritten by Hannover Life Re of Germany, one of the largest reinsurance companies worldwide, who has very strong insurer financial strength ratings (Standard & Poor's AA- "Very Strong", A.M. Best A "Excellent", Fitch Ratings A+).
Things you need to know:
- Age at commencement of policy is between 16 and 54 years old.
- Once policy is in place, you are covered provided premium payments are maintained.
- Premiums can be paid fortnightly, monthly or annually by direct debit or credit card (credit card only applicable to monthly or annual payments).
- Pre-existing conditions are covered as long as you tell us about them in writing. Your premium may be adjusted accordingly.
- Exclusions include death by suicide and death by any pre-existing condition not already accepted in writing by DorchesterLife.
- Please refer to the Policy document for full details of exclusions, terms and conditions.
To get SimpleLife Insurance:
It's quick and easy for you to set up! Click on the links below to download the brochure and application form and post or e-mail to us at: info@dorchesterlife.co.nz .
SimpleLife Insurance Brochure
SimpleLife Insurance On-line Application Form
SimpleLife Insurance - Product Summary Sheet
Have you also considered DorchesterLife's other insurance products?:
If you would like us to contact you, please complete our Online Enquiry form.