Personal Insurance - NZ New Zealand

Personal insurance

As a life insurer, we understand that despite best efforts, life doesn’t always go to plan. We also appreciate how important it is to put yourself in the driver’s seat – to take control and make the most out of life while having certainty and choice when it comes to protecting what matters most to you.

Make the most of life

If you’ve worked hard for something, it is natural to want to protect it.

Personal insurance is designed to protect what can be the most important parts of your life: your family and your health, your lifestyle and your future. This can be especially important at pivotal moments such as getting married, buying a home, or starting a family or business – enabling you to be in control should the unexpected happen.

Who would take care of the mortgage and other commitments if you were unable to?
What would that mean to your loved ones and their plans for the future?

We can help protect you and your family, no matter what stage of life you are at, with a wide range of flexible products to suit your individual needs. Some protect against premature death; others if you become ill or disabled.

Sovereign personal insurance solutions

Guaranteed Enhancements/ongoing product enhancements

What is the Guaranteed Enhancement Benefit?

We regularly review our TotalCareMax products to ensure that they continue to meet your changing needs.

Our Guaranteed Enhancement Benefit ensures that you automatically benefit from all products enhancements without having to re-apply for cover.

How does it work?

At claim time, Sovereign will compare the enhanced section in the latest version of the policy wording with your policy wording and will apply the section that is most favourable to you. Any underwriting exclusions or special terms that apply to your policy will not be altered by any enhanced section.

Please note that enhancements apply to new claims where the claim event date occurs on or after the date that the enhancement was introduced.

Where can I find more information about the latest enhancements?

Please speak with your adviser or follow the links under ‘Sovereign personal insurance solutions’ to learn more about the latest enhancements for your chosen product.

Disclaimer: The availability of any insurance cover is subject to your application being approved. For full details, refer to the policy document which is available on request from Sovereign. Applications are subject to individual consideration. Special conditions, premiums, maximums and exclusions may apply.

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The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.