Same 5 NZ retail trauma policies, different decision-frames. Each audience page lays out the considerations that matter most for that situation and shows the full active product set.
Risk advisers writing trauma-cover SoAs need the partial-payment percentages, condition definitions and exclusions in one place. The 40-condition × 5-insurer matrix on this site is built for that work…
Strong family history of cancer changes the calculus. Underwriting loadings + permanent exclusions are common, future-insurability rights become critical (top up cover later without medicals), and par…
Cardiac family history typically results in standard underwriting once existing risk factors are controlled (cholesterol, blood pressure, smoking status). But the specific heart-attack + stroke defini…
Mid-20s to mid-30s, healthy, modest income. Premium for $100k-$250k trauma is typically $200-$600/yr at this age — adding it to a life policy (accelerated structure) is the cheaper option but reduces …
Over 50 with at least one underwritten condition is typical. Trauma entry ages on some products cap at 60-65. Premiums load 25-200%, conditions may be permanently excluded. Cover continuation rules ma…
Key-person trauma cover protects the business against revenue / equity disruption when a critical illness sidelines a founder, partner or specialist employee. Owned by the business, sum-insured calibr…
