Life, disability and medical insurance

[Toaster]

All my insurances are costing a fortune - blimin' criminal what they charge for all kinds of basic insurances.

[F5 Dave]

ok well this is maybe off the originator's original intention, but I'll thread raid a little, heck, maybe it will tell him a bit about the perceptions of the competition.

Have medical through werk but since marriage & the recent mortgage we need to think about life/disability cover. Opinions as to decent company/option? (as opposed to they sent me a flier & I filled it in so I am with xx).

[Beemer]

We both have medical insurance and my husband has life and disability insurance. I have a small life insurance policy (just enough for a funeral!) but no disability insurance. I'm self-employed and my income varies month to month and for the money, I haven't really seen anything worth the premiums.

[judecatmad]

Have all the above due to my working in the industry. But then I'm a Life and Disability Underwriter so I know my chances of ever getting any of the above on standard terms under non-group schemes are laughably low, so I take advantage of all continuation options I'm offered every time I move companies!

[Hitcher]

Have medical through werk but since marriage & the recent mortgage we need to think about life/disability cover. Opinions as to decent company/option? (as opposed to they sent me a flier & I filled it in so I am with xx).

I'm with Tower for major medical and AXA for income protection. These were the two best options when I bought them some years ago. Things may well have changed since.

[bungbung]

Have medical through werk but since marriage & the recent mortgage we need to think about life/disability cover.

I'm in much the same boat. I'm with Southern Cross for medical through work group scheme. I have a group retirement fund run by NZI which contains a small death/disablement policy, but I want to expand this to include my partner.

There doesn't appear to be any significant benefits involved in using the same insurance company as my other policies. (As opposed to getting a discount for holding multiple vehicle policies).