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Life Insurance
Life insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency.
Could your family afford the funeral expenses? Have you left a complicated will, or perhaps no will at all? More importantly, what about your spouse, children, and other dependents? Are they counting on your paycheck in the years ahead to cover basic needs and/or future savings goals? If you are the primary caregiver to dependents, what will it cost to replace you with a paid provider, and for how long?
If you are single, or one-half of a two-income, no-dependents household, you probably won't need much life insurance, if any. With a little planning, you can establish a low-risk savings fund to cover funeral costs, and invest the money you would have paid for insurance premiums.
On the other side of the coin, if you are the sole breadwinner for a large family with little savings, you are likely to need substantial life insurance. After basic food and housing is covered, life insurance premiums are likely to be next in line in terms of priority, perhaps even ahead of auto loan and credit card payments, and certainly ahead of retirement savings
Sovereign
established in 1989, creating a new style of life insurance and investment company in New Zealand. In 1996, Sovereign acquired Metropolitan Life, creating one of the largest life insurance operations in New Zealand at that time
In December 1998, Sovereign became part of the ASB Group of companies, which is in turn part of the Commonwealth Bank of Australia Group (CBA).
In August 2000, CBA acquired the global operations of Colonial Limited. Colonial was a diverse international financial services group established in Australia in 1873. The acquisition led to the integration of Sovereign and Colonial's New Zealand business, which created the largest life insurance company in New Zealand.
Sovereign provides a comprehensive suite of life insurance, investment and home loan products. As well as being New Zealands largest life insurance company, Sovereign is the largest home loan lender outside the four major trading bank groups. We meet the financial service needs of over half a million customers.
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Fidelity Life
Fidelity Life was founded in 1973 as New Zealand's first adviser-focused life insurance and investment company. Founding vision: To provide New Zealanders with quality independent advice and locally-created solutions to their insurance and investment needs remains to this day. In an industry of continual change our stable New Zealand ownership and control is unparalleled.
A privately-owned company with 82 staff. With a head office is in Auckland they also have a presence in Wellington and Christchurch.
Dealing exclusively through advisers who operate independently of Fidelity LIfe. Close working relationships with these impartial advisers enables Fidelity Life to understand the needs of policyholders. Totally geared for the impartial adviser, they listen and respond with innovative and targeted products and services. Fidelity Life use the largest reinsurers in the world to offer the best terms to New Zealand clients. Management is based locally, which means that decision-makers are accessible and able to act promptly because they are not part of a remote overseas hierarchy.
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Asteron
Asteron, previously Royal & Sun Alliance's financial services arm, has roots that trace back to 1833. In both Australia and New Zealand a long history of acquisitions and successful integration of businesses has contributed to the solid heritage that will support Asteron now and in the future.
Asteron is one of the largest financial services providers in Australasia with around one million clients. Asteron has more than $5 billion in assets under administration and management and $25 billion in assets under supervision.
As part of the Promina Group, Asteron is supported by a strong financial base, enviable industry expertise, a focused business model and the opportunity to leverage complementary tailored products via recognised brand leaders in Australia and New Zealand .
The Promina Group is a focused, specialist group of diverse Australian and New Zealand insurance and financial services companies. It distributes its insurance products and other financial products and services directly to customers and through other distribution channels, including intermediaries and corporate partners. Promina Group's operations trace back to 1833 in Australia and to 1878 in New Zealand. Promina Group employs over 6,700 staff across 210 offices in Australia and New Zealand. The combined gross written premium of the trans-Tasman business was A$1.39 billion (NZ$1.54 billion) for the six months to 30 June 2003.
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Tower
TOWER is an insurance and investment company that has been serving New Zealanders for over 135 years. TOWER provides a comprehensive range of risk insurance and wealth management products and services to around one million customers throughout New Zealand, Australia and certain Pacific Islands. TOWER listed on the New Zealand Stock Exchange as a publicly listed company in 1999 and is now one of the fastest growing financial services businesses in Australasia.
TOWER recognise the changing needs of their customers when it comes to protecting their health, belongings and prosperity - and strive to continually meet those needs.
Operating since 1869. TOWER has over 68,000 shareholders in New Zealand & Australia, one million customers throughout New Zealand, Australia and the Pacific Islands and over 1200 staff in New Zealand, Australia and the Pacific Islands
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