About Cigna Life Insurance New Zealand Limited

Cigna Life Insurance New Zealand Limited is a leading insurance provider in New Zealand, offering a range of life insurance products to protect individuals and families from unforeseen circumstances. With a strong commitment to customer service and financial stability, Cigna has been serving the insurance needs of New Zealanders for many years.

Insurance Products Offered by Cigna

1. Life Insurance

Cigna provides comprehensive life insurance coverage to ensure that your loved ones are financially secure in the event of your passing. This can include lump-sum payments to cover funeral expenses, outstanding debts, or ongoing living expenses.

2. Income Protection Insurance

Income Protection Insurance from Cigna can provide you with a monthly benefit if you are unable to work due to illness or injury. This can help you maintain your lifestyle and cover essential expenses while you focus on your recovery.

3. Trauma Insurance

Trauma Insurance offers a lump-sum payment if you are diagnosed with a serious medical condition such as cancer, heart attack, or stroke. This financial support can help you access the best medical treatment and support your family during a challenging time.

How to Obtain Cigna Life Insurance

Acquiring Cigna Life Insurance in New Zealand is a straightforward process. Follow these steps to get the coverage you need:

1. Evaluation: Assess your financial needs and determine the type and amount of coverage you require.
2. Quote: Get a personalized quote from Cigna based on your requirements.
3. Application: Fill out an application form online or through an insurance advisor.
4. Underwriting: Your application will be reviewed by Cigna underwriters to determine your eligibility and premium.
5. Approval: Once approved, you can start enjoying the benefits of Cigna Life Insurance.

FAQs about Cigna Life Insurance

• Q: How can I file a claim with Cigna Life Insurance?
• A: To file a claim with Cigna Life Insurance, you would need to contact their claims team and provide the necessary documentation to support your claim.
• Q: Can I increase my coverage amount with Cigna?
• A: Yes, you can usually increase your coverage amount with Cigna, subject to underwriting approval.
• Q: What is the minimum age requirement to apply for Cigna Life Insurance?
• A: The minimum age requirement usually varies by policy, so it’s best to check with Cigna directly.
• Q: Are there any restrictions on pre-existing conditions with Cigna Life Insurance?
• A: Pre-existing conditions may affect your eligibility for coverage or the terms of your policy, so make sure to disclose all relevant information during the application process.
• Q: Can I cancel my Cigna Life Insurance policy at any time?
• A: Most insurance policies allow you to cancel at any time, but there may be penalties or fees involved, so it’s best to check your policy terms.
• Q: Does Cigna offer discounts for bundled insurance policies?
• A: Cigna may offer discounts for bundling multiple insurance policies together, so be sure to inquire about any available promotions.
• Q: How quickly can I get coverage with Cigna Life Insurance?
• A: The time it takes to get coverage with Cigna may vary depending on your application, underwriting process, and other factors, so it’s best to consult with a Cigna advisor for more information.
• Q: Are there any exclusions in Cigna Life Insurance policies?
• A: Exclusions in insurance policies can vary, so make sure to review your policy documents carefully to understand what is covered and what is not.
• Q: What happens if I miss a premium payment with Cigna Life Insurance?
• A: Missing a premium payment may result in a lapse of coverage or other consequences, so it’s essential to stay up to date with your premiums to maintain your policy.
• Q: Can I add riders to my Cigna Life Insurance policy?
• A: Riders can provide additional benefits or coverage options to your policy, so check with Cigna to see if they offer any riders that meet your needs.