Personal Insurance

LIFE INSURANCE

To provide a lump sum upon death or terminal illness to help repay debt or provide an inheritance, among other things , at your discretion.
Minimum entry age - 10
Maximum entry age – 70
Expiry age – Life
Minimum sum insured $1000
Maximum sum insured Unlimited
GST – Not applicable to life covers 

Worldwide cover – Yes

PRIVATE MEDICAL COVER

To help fund private hospital treatment, and access to specialists, diagnostic tests, and non – PHARMAC medications outside of the public health system.
Minimum Entry Age – None
Maximum Entry Age – 70
Expiry age – Life
Base Excess Options – Nil, $250, $500, $1,000, $2,000, $5,000, $10,000.
Base excess applies – Per Life , Per Annum.
Minimum Risk Premium for Bundled Medical Rates - $7.05 of risk benefits per month
Australasian Cover – Full cover in Australia but reimbursement will be usual , customary and reasonable NZ equivalent costs for same treatment.
GST - Apply to premiums and claims

HOUSEHOLD EXPENSE COVER

To cover essential household expenses while your client is totally disabled or partially disabled.
Minimum entry age – 16
Maximum entry age – 62 for to 70
Expiry age – 70
Payment term options – To age 65 or 70 - options on periods of cover, 2 or 5 years, 3,6,or 12 months.
Minimum Sum Insured - $100 per month or $1200 per annum.
Maximum sum insured - $40,000 per month or $480,000 per annum.
GST – apply to premiums and claims

 

 

INDEMNITY INCOME COVER

To replace a significant portion of lost income when you suffer a total disability or partial disability.
Minimum entry age – 16
Maximum entry age – 70
Payment term options – To age 70, or terms of , 2 or 5 years, 3,6 or 12 months
Minimum Sum Insured - $100 per month or $1200 per annum
Maximum Sum Insured - $40,000 per month or $480, 000 per annum.
GST – Applies to premiums and claims.


 

TMF Finance

Gay 021 688 282

TMF Insurance & Finance

Paul 021 548 857

11 Rope Street, Christchurch, 8011 New Zealand 

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