{"id":593,"date":"2020-07-13T03:41:37","date_gmt":"2020-07-13T03:41:37","guid":{"rendered":"https:\/\/www.financematters.co.nz\/?page_id=593"},"modified":"2020-08-18T10:20:20","modified_gmt":"2020-08-18T10:20:20","slug":"life-and-funeral-cover","status":"publish","type":"page","link":"https:\/\/www.financematters.co.nz\/insurance\/life-and-funeral-cover\/","title":{"rendered":"Life and Funeral Cover"},"content":{"rendered":"\t\t
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Life and Funeral Cover<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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What is \u201cLife Insurance\u201d & \u201cFuneral Cover\u201d?<\/h2>

Only if life was like a crystal ball and you could predict the future so that you would know how much money your family would need after you die. But life is not a crystal ball. You can\u2019t predict the future, but you can help protect yourself against it.
Life Insurance is an insurance that pays you a lump-sum of money if you die or become terminally ill.
Life insurance is designed to provide financial security for your family after you die or in some cases when you become terminally ill.<\/p>

Funeral, the word itself is so scary. In New Zealand, the funeral cost is pretty high and many times the grieving families do not have enough savings to cover this cost. Having a funeral insurance takes this stress out of you. Many times life insurance could cover the funeral cost which later gets deducted from the total life cover but it can be purchased as a standalone policy too. This may vary from provider to provider.
Losing a family member is always difficult but the funeral insurance could be making the departing ceremony easy for you.<\/p>

Why do you need insurance?<\/h3>

Life Cover is an easy and cost-effective way to provide for your family if you die or are diagnosed with a terminal illness. If your family relies on your support for your income and your time and they won\u2019t be able to survive or will struggle without this support when you are no more than YES you need insurance. Once it\u2019s in place you can have peace of mind that your family will be looked after when you have gone.
This is one of the main reason why you need insurance. The other main reason to have life insurance is if you have mortgage, debts, your kids education plan, etc.
There are lot more reasons to understand why you need insurance. Team Finance Matters will help you understand these reasons as they may vary from person to person and situation to situation. Our expertise in advising you the best tailored made solution for your needs and goals making sure you are not over or underinsured.<\/p>

How much Insurance do you need?<\/h3>

Good question and sounds simple, but it isn\u2019t. There is a lot of planning and calculation behind this. Since this is different for every individual\u2019s situation, this has to be tailored accordingly. Team Finance Matters can help you with this.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Life and Funeral Cover What is \u201cLife Insurance\u201d & \u201cFuneral Cover\u201d? Only if life was like a crystal ball and you could predict the future so that you would know how much money your family would need after you die. But life is not a crystal ball. You can\u2019t predict the future, but you can […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":11,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"yoast_head":"\nLife and Funeral Cover - 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