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As Insurance Brokers we have reviewed thousands of client's life insurance policies and for the most part New Zealand families are under insured. In a previous article [url=http://www.1855sacramento.com/peuterey.php]peuterey outlet[/url] we looked at the reasons for New Zealanders under insuring and we believe the main reason is the cost of life insurance premiums.

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As an example let us take a 30 year old male non smoker who completed his own needs analysis and opted for $500,000 of life cover to cover his mortgage and provide a lump sum payment for his family in the event of his death.

Depending on the insurer his premium in the first year would be around $400. The premium increases each year to reflect his age and the risk of dying and also increases by the consumer price index [url=http://www.1855sacramento.com/woolrich.php]woolrich outlet[/url] to keep the cover relevant with inflation.

Assuming 3% inflation by the time the insured is aged 50 his annual premium is now around $1750 (depending on insurer) he now has life insurance cover of $876,753 and [url=http://www.1855sacramento.com/peuterey.php]peuterey[/url] he has paid total premiums anywhere between $15,000 and $16,000

Had he bought his insurance through a discounted insurance broker who discounted their commission by [url=http://www.rtnagel.com/louboutin.php]louboutin pas cher[/url] 50% he could have saved approximately 10% off his life insurance premiums for life or $1500 to $1600 in the [url=http://www.maximoupgrade.com/hot.php]hollister[/url] first 20 years alone.

Over the term of the contract this savings will be substantially more as most people keep their life cover through to retirement or for final expenses on their death.

For a family both partners need life insurance protection so if the partner also took out $500,000 [url=http://www.rtnagel.com/airjordan.php]nike air jordan pas cher[/url] of life cover a similar savings would also be made.

To complete you own needs analysis and [url=http://www.mxitcms.com/abercrombie/]abercrombie milano[/url] to get information on what life insurance to buy we recommend "Sorted".

"Sorted" is New Zealand's free independent money guide, run by the Retirement Commission. They have a very good eBook which you can down load from their site for free entitled "Insurance protecting what's important to you." They also have an online [url=http://www.425400.cn/forum.php?mod=viewthread&tid=102646&pid=104589&page=1&extra=page=1#pid104589]barbour uk outlet Alcoa lance une OPA hostile sur[/url] Life Insurance calculator which works out what insurance might be right for you. Log on details for these websites are available on the insurance4me website

Once you know the levels of life insurance you are [url=http://www.mxitcms.com/abercrombie/]abercrombie[/url] comfortable with it pays to shop around. There are two main [url=http://kizuna-shuzenji.com/form/cgi/postmail/postmail.cgi]giuseppe zanotti sneakers La [/url] factors to consider when you're deciding which insurer to buy your policy from - how stable the company is and how cheap it's rates are.

Most true discounted insurance brokers will provide you with the premium rates from [url=http://www.achbanker.com/home.php]hollister[/url] the major insurance companies for your chosen level of life cover and also their independently assessed financial rating.