Benefits of being part of a group plan – stronger together

So what are the benefits of ‘bulk buying’ in terms of insurance? It works like this.

 An Automatic Acceptance Limit (AAL) is the maximum cover amount available to members when they join the plan without the need for any medical or financial questionnaires.

This means that members who join the plan with cover levels below the AAL are automatically insured.

Where a member’s initial cover level goes above the AAL that member will need to complete a personal statement. You can access that form here.

This is a questionnaire about their health, and pastimes. 

Our underwriters will then assess each questionnaire and advise their recommendation. 

In some instances more information may be requested or the applicant may be asked to undergo medical tests or examinations (if applicable any medical costs incurred will be paid for by Asteron Life. 

Any special acceptance terms applicable will only be applied to the amount of cover that exceeds the AAL.

Continuation Options:

A continuation benefit allows the applicant to continue cover with Asteron Life through their own personal policy with no further medical underwriting if they were to leave the Employee insurance plan 

Continuation benefits are available to be added into the following covers – Life cover, TPD (Total Permanent Disablement ) cover, Trauma cover and  Income protection cover

Some hard facts on why Group Business Insurance is a very real necessity for the well-being of your business and your employees

It will never happen to me or my staff – what are the odds?

  • One in five men and one in seven women between the ages of 30 and 64 will suffer a critical illness.
  • (Source: General Life/Health Australian Critical Illness Survey 2008)
  • 350,000 working age New Zealanders have some form of elective surgery annually.
  • BUT: 280,000 New Zealanders require elective surgery
  • AND: Of these, 110,000 working age New Zealanders have been formally placed on a waiting list (while 170,000 are not on a waiting list as their health condition not perceived to be sufficiently serious)

TALK TO CAROLINE LIANG TODAY ABOUT SECURING AFFORDABLE GROUP BUSINESS INSURANCE THAT BENEFITS, YOU, YOUR STAFF AND YOUR COMPANY’S SECURITY

CONTACT FORM

OFFICE

UNIT 7, 71 JELLICOE ROAD, PANMURE, AUCKLAND

Telephone
+64 27 543 7888
E-mail
support@assureme.co.nz

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