Please be EXTREMELY CAREFUL using this company!!! 🙄They make it sooo easy to sign up online.. then you make payments for years, and they will contact you offering to up your life insurance by $10,000 or more because your such an excellent customer. SAY NO THANKS They ask you to send permission for them to obtain your medical records to process the extra free amount you are being awarded when you die etc for your family. Then they pick your doctors records to bits trying to find any tiny difference between what your 1st sign up says to what might be worded slightly differently in your records. If they find anything different at ALL, even things you didn't know your Doctor wrote in there..they will call you a fraud and cancel your insurance.. Then they go on to record your personal details on a national database so NO other insurance company will touch you in N.Z. .. Absolutely corrupt practice!! Also you can't open the comments on this particular ad.