Secure
Your Future
Protecting Your Loved Ones with Reliable
Life Insurance Solutions
Our Mission
At Eternal Cover, we are dedicated to providing peace of mind by offering comprehensive life insurance coverage tailored to your unique needs.
Coverage
Crafting extraordinary events tailored to your unique vision.
How Life Insurance Works
Life insurance provides financial security by paying a tax-free lump sum to your beneficiaries if you pass away. You pay regular premiums, and in return, your family receives funds to cover expenses, debts, and future needs, ensuring their financial stability during difficult times.
Flexibility in Fund Usage
The funds received from life insurance can be used for any expenses without restrictions. This flexibility allows families to allocate the money as needed, whether for living expenses, debts, or other financial obligations.
Finding the Right Policy
Finding the best life insurance policy involves comparing different options to suit your specific needs. Here at Eternal Cover offer free advice and annual reviews to ensure you get the best deal. We also consider accelerated life cover options and allow modifications to the policy as life circumstances change.
Testimonials
Randall F.
"I wasn't sure about getting life insurance, but Eternal Cover made it easy to find and advisor. The advisor was straightforward and the premiums fit my budget. It's comforting to know my family is secure. I've told my friends about them too. Reliable and hassle free.
Anita T.
"I was hesitant about life insurance, but Eternal Cover won me over. Their advisor they recommended was clear and helpful, and the premiums are surprisingly affordable. It's a relief knowing my family is protected. I've already recommended them to friends and family. Trustworthy and straightforward - exactly what you want in insurance."
Ahmad H.
"I'm truly impressed with Eternal Cover. Since getting coverage, I feel a great sense of security for my family's future. It's a relief to know they'll be taken care of no matter what. I highly recommend their services to anyone looking for reliable life insurance."
Frequently Asked Questions
Common Questions Answered for your convenience.
Why should I use a broker to find life insurance?
Using a broker to find life insurance can save you time and money. Brokers have extensive knowledge of the insurance market and can compare policies from multiple providers to find the best coverage for your specific needs. They can explain complex terms, help you understand policy details, and may have access to exclusive deals not available to the general public. Brokers get paid by the bank, not you, so advice is free!
How much life insurance cover do I need?
The amount of life insurance you need depends on your personal financial situation and the needs of your family. Consider factors such as your income, debts, living expenses, and future financial goals. Many insurance providers offer calculators to help you estimate the appropriate amount of coverage
Can I adjust my life insurance cover after the policy is issued?
Yes, you can usually increase or decrease your life insurance cover after your policy has been issued. To increase coverage, you may need to provide additional health information and pay a higher premium. Conversely, you can reduce your cover if your financial responsibilities change, which may lower your premium
What factors affect life insurance premiums?
Life insurance premiums are influenced by several factors including age, gender, smoking status, health history, and the amount of coverage you choose. Engaging in high-risk activities or having pre-existing medical conditions can also impact the cost of your premiums
Do I need a medical examination to apply for life insurance?
Not always. Many life insurance applications can be completed online without the need for a medical examination. However, in some cases, insurers may require additional medical information or a health check, especially if you have a complicated medical history or are applying for a high amount of coverage
What happens if I stop paying my life insurance premiums?
If you stop paying your life insurance premiums, your coverage will eventually lapse, usually after a grace period of about three months. This means you will no longer be insured, and your beneficiaries will not receive a payout if you pass away after the coverage has lapsed
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Eternal Cover is solely used for marketing purposes and no advice is provided directly from this site. Eternal Cover introduces you to a potential partner that can help give you individual advice and match you to the right solution for your personal circumstances. These partners are financial advisers who are licensed and registered Financial Advice Providers listed on the Financial Service Provider Register (FSPR), and are regulated and authorized by the Financial Markets Authority (fma.govt.nz). Every partner will provide a Disclosure Statement and their unique FSP number as required by law. At no time do we provide advice of any type; once you obtain advice from our partner, your relationship is with the partner, and we not responsible for that advice. Please refer to our complete Disclosure and Privacy Policy
Nothing on this website constitutes financial advice.
We will sometimes use testimonials or case studies from our clients or partners and publish these online, including on social media. Where do this, we will often use actors to deliver and present the content that we have received from real clients or partners.