1. Do I need life insurance?

There are several reasons why you should have life insurance. If you have children, a spouse who is not in the workforce, elderly parents, or a mortgage, you need to consider how their needs will be met, should you die. Your survivor may need a financial backup to pay debts, unpaid bills, funeral costs, childrens' education and day-to-day living expenses.

2. How much do I need to insure myself for?

As your Insurance Advisor, we can help you prepare a list of expenses that need to be covered in the event of your death or sickness, including funeral costs, debts, unpaid bills, daily expenses, childrens' education, mortgage payments and so on. Based on the information provided by you, we will then assist you to cover your needs. Remember, the insured amounts can change from time to time as, or if, your situation changes, so keep us up to date and we will review your policy frequently to make sure you are adequately covered.

3. Which companies do you deal with?

View the full list of companies here.

4. Do I need to go for a medical examination when I apply for life insurance?

Not in every case. Occasionally, insurance companies will ask you to conduct a medical examination. This is generally based on factors such as age, medical history, smoking status and current health.

5. Why is my wife's premium lower than mine?

In most cases, premiums for women are lower than for men. This is based on the statistic that women live longer than men.

6. How do I pay my premium?

● Direct Debit Authority
● Cheque
● Direct Bank credit
● Internet Banking
● Automatic Payment

7. I already have life cover under a group policy that my work provides for employees. Isn't that sufficient?

No, life cover provided under a group policy by employers is not always sufficient. We can assist you by preparing a list of your income, expenses and debts and advise you if the cover you have in place is sufficient. Many employer group policies end when you leave the company and then it's up to you organise new cover. If you have developed a medical condition in this period, you may not be eligible for new cover on standard terms from a new insurance provider. Consult us and we will advise you.

8. I have been turned down by an insurance company due to my medical history.

Talk to us about it. We can provide a minimum of $50,000 worth of life cover.

9. How can I reduce my premium?

You can reduce your premium by choosing a higher excess.
You can choose to pay annually and receive a 5% discount on your premium.
You can combine policies and save money.

10. How do I make a claim?

In order to make a claim, a claim form needs to be completed by the policy owner for pre-approval before treatment. Call us and we will assist you with the claims process.


Providing the best insurance coverage. callusCalculate your
needs & see the
options now!

Call us

09 215 4044
Get a quote

Phone: 09 215 4044
Mobile: 021 244 6278
Email: info@tulipfinance.co.nz

Copyright © 2017 Tulip Financial Services Ltd. All Rights Reserved.
Website designed and powered by Web Graphics Design Studio.