Yes.
Working with an Insurance Adviser
Life Insurance Cover
If you're not sure where to start, seeking professional advice to ensure you have the right protection could be the best option for you. Our expert Insurance Advisers can guide you through the best combination of our Assurance Extra products, designed to work specifically for your needs.
What's the process?
Leave your details
Fill in the Adviser form and one of our Chubb Life consultants will be in touch to assist with booking in your first information gathering appointment with a qualified Insurance Adviser.
Talk to us
Your Adviser will hold a fact-finding meeting to understand your insurance needs. You can choose whether your meetings are face-to-face, in a video call or over the phone.
Tailored advice
Your Adviser will present their personalised solution and recommendations based on the information gathered in your first appointment.
ADVISER OPTIONS
ADVISER OPTIONS
What is Assurance Extra?
Assurance Extra is our master policy for your personal life insurance needs. With the help of a qualified Insurance Adviser, you can mix and match nine cover options to suit your needs and budget.
For everything you need to know about Assurance Extra, download a copy of the policy document.
INSURANCE ADVICE EXPLAINED
An Adviser's insight
When broadcaster Matt Gibb realised he had no life insurance in place, the Chubb Life team set out on a mission to get him covered. Watch Matt talk with Insurance Adviser, Hayley Evans.
TAKE A DEEPER DIVE INTO GREAT INSURANCE
What does an Insurance Adviser do?
7 questions to ask an Adviser
How to choose the right Adviser for you
APPLY YOUR WAY
APPLY YOUR WAY
Apply online or talk to an Adviser?
There's multiple ways to apply for your insurance cover. You can get a quote and apply online or you can talk to an Insurance Adviser to guide you through the process. Your choice will depend on how confident you feel comparing different types of policies, your personal situation and preferred level of cover. Either way, it’s simple to get the cover that's right for your needs and budget.
What else do I need to know?
What else do I need to know?
You won't necessarily require a medical examination to take out a Chubb Life Insurance Policy. Medical examinations are only required for two reasons. First, if you have requested a large amount of cover. Second, if you have a medical condition that requires a doctor's input to make a fair assessment.
In some cases where you report a medical condition, we'll ask for your consent to discuss your information with your doctor, rather than ask you to visit your doctor for an examination.
Yes. You can apply to reduce or increase your requested insurance cover at any time during the assessment process. If you wish to increase cover, be aware that the process could take longer as additional information may be required.
It’s very common for insurers to increase your Life Insurance premiums as you age. At Chubb Life, depending on the premium structure you have chosen for your covers, your premiums will likely be adjusted on each policy anniversary date. These changes will reflect your current age and cover amounts. You'll always be advised in writing prior to any changes being made to your premium.
You must have a Chubb Life insurance policy that's currently in-force and has been for at least 90 days. Your premuim payments must be up to date (ie your policy is not in arrears).
Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit www.ambest.com/ratings/guide.pdf