Comparisonsmaster
Best No-Medical-Check Life Insurance Plans
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The main two that stand out, is first the cost and secondly the health check-up that is required by insurance companies. New Zealanders are getting the benefits of life insurance without the need for a medical check-up in 2023.
Life insurance plans come in various packages and not all companies on the market charge you an arm and a leg, and nor do they require a health or medical check-up before you sign on the dotted line. You can actually get plans today that start at as little as $1 per day. Imagine that, complete peace of mind when you die for less than a beer!
No medical check plans allow you to put in as much as you want and start at a very small cost per month. Want to pass on a gift before you reach the pearly gates? No problem! When you take out a Life insurance policy you can make regular payments that build-up over time. This nest egg can then be passed on to your loved ones and what’s more, it is absolutely tax free! Compare these no medical check life insurance plans here and book an appointment with an advisor today.
The main two that stand out, is first the cost and secondly the health check-up that is required by insurance companies. New Zealanders are getting the benefits of life insurance without the need for a medical check-up in 2023.
Life insurance plans come in various packages and not all companies on the market charge you an arm and a leg, and nor do they require a health or medical check-up before you sign on the dotted line. You can actually get plans today that start at as little as $1 per day. Imagine that, complete peace of mind when you die for less than a beer!
No medical check plans allow you to put in as much as you want and start at a very small cost per month. Want to pass on a gift before you reach the pearly gates? No problem! When you take out a Life insurance policy you can make regular payments that build-up over time. This nest egg can then be passed on to your loved ones and what’s more, it is absolutely tax free! Compare these no medical check life insurance plans here and book an appointment with an advisor today.
AIA New Zealand Offers Life Insurance Plans with No Medical Checks Necessary
The largest health and life insurance provider in New Zealand in terms of active policies and claims paid is AIA, which was established way back in 1981. Life insurance is available through AIA Insurance with no upper limit on the amount insured, tax-free pay-outs, and level and graduated premiums fixed for ten years until age 65 or 80. In addition, family protection gives your family regular tax-free payments rather than one large payment.
Fitch has assigned AIA New Zealand Limited an AA rating(2). In 2018, AIA New Zealand acquired Sovereign and combined with it. With its AIA Vitality program, it also provides a means of saving money. Although no prior medical history is required to enrol in a plan with AIA, you can unlock discounts at different merchants and earn insurance savings by making healthy choices, like going to the gym and tracking your progress on the simple to use company’s mobile app.
Highlights:
• Terminal Illness cover
• Digital underwriting
• Stepped policies can be converted to level premiums
• No medical needed
Cost: Apply for a quote today
Partners Life Insurance Policies Come with Low Monthly Premiums and No Health Checks
A health and life insurance provider, Partners Life distributes its policies via agents and independent brokers. In order to thank them for maintaining their insurance with Partners Life over the long term, loyal customers automatically receive a discount on their policy premiums each year. Naturally, your premium reduction will increase the longer you stay with Partners Life.
As a 2011 New Zealand start-up, Partners Life has expanded organically and via acquisitions to rank as the second-largest health and life insurer in New Zealand by the number of active policies. In 2020, Partners Life acquired the life insurance book of business from BNZ. Global life insurance expert Dai-ichi Life Holdings, Inc. stated on August 12, 2022, that it has acquired 100% of the stock in Partners Group Holdings Limited. What does this entail for clients? Future coverage at even lower costs!
Highlights:
• Terminal Illness and hospice cover
• Digital underwriting
• Stepped policies can be converted to level premiums
• No medical needed
Cost: Apply for a quote today
Asteron Life Insurance Provides World-Wide Plans at Hefty Discounts and with Zero Medical Check-Ups
Asteron Life is a life insurance provider with accredited agents in New Zealand that provides death and living benefits insurance products. Although not all of the plans it provides demand a medical exam, all of them require underwriting.
At the ANZIIF NZ Insurance Industry Awards, Asteron Life received the “Life Insurance Company of the Year the 2021” prize. Asteron Life has roots in New Zealand that go as far back as 1878. Asteron Life’s financial strength rating was raised by Standard & Poor from A+ to AA- with a stable outlook due to the company’s good COVID and underwriting performance.
All of this indicates a reliable life insurance provider that you can trust to keep your money secure. Furthermore, claims acceptance rates are very high at 95%, so regardless of your age, current health and budget, you can find a policy that meets your demands.
Highlights:
• 95% Acceptance rate
• Digital underwriting
• Stepped policies can be converted to level premiums
• No medical needed
Cost: Apply for a quote today
