Ico Santiago
Life Insurance

Life Insurance

A plan that takes care of your loved ones when life doesn’t go to plan.

For many of us, the journey to New Zealand was fueled by a desire to provide a better life, better education, and a safer environment for our families. Life Cover is the cornerstone of that promise. It is more than just a policy; it is a guaranteed financial foundation that ensures your whānau (family) is never forced to leave the life you’ve worked so hard to build here. In the event of your passing or a terminal illness diagnosis, this cover provides a tax-free lump sum payment.

In the New Zealand market, we often see families struggle when a primary breadwinner passes away because of the high cost of living and mortgage commitments. This payout can be used to instantly clear the mortgage, cover funeral expenses or be invested to provide a regular income for your spouse and children. For migrants, this is particularly vital if your extended support network is still overseas. It provides the "breathing room" needed to grieve without the immediate pressure of financial ruin. I work with you to ensure your cover is structured correctly, avoiding the common pitfalls of being under-insured, so your legacy remains exactly as you intended.

Benefits available with Life Cover are as follows:
  • Terminal Illness
  • Specified Terminal Illness Conditions
  • Financial and Legal Advice
  • Bereavement/Funeral Support of $15,000
  • Special Events Total Permanent Disablement/Trauma Facility
  • Parents Grieving
  • Repatriation Benefit of $20,000 allowing repatriation to home countries other than New Zealand
  • Worldwide Cover
  • Special Events Increase Facility
  • Premium Conversion Facility
  • Counselling
  • Suspension Cover
  • Enhancement Pass Back
  • Future Insurability Option

Lets have a talk!

Whether you’re new to New Zealand or looking to secure your long-term future here, I offer straightforward advice to protect your family’s financial wellbeing.