Life Cover （注：汉语言翻译仅为总结、提示和摘要性翻译，而非全部直面翻译, 请阅读英文以获取全面理解）
Life Cover provides a lump sum payment in the event of death. This lump sum can help reduce debt, pay for final expenses, create an investment fund to generate on going income, enable business ownership to be restructured or provide an inheritance or donation, amongst other things. The purpose of the funds is entirely yours to decide. (生命险在被保险人伤亡后获得的一次性赔付款，用来支付债务、善终费用、设立投资资金、生意重组、或用来继承或捐赠。自行支配资金用途)。
Early payment of benefit
Depending on the sum insured and the complexities of an estate it can take some time before the proceeds of a life policy can be legally released. To assist with immediate expenses while that process is completed, the bereavement support benefit allows $15,000 of the Life Cover to be paid out immediately upon notification of death. （生命险支付根据保险数额和复杂程度确定支付速度，有时候需要一段时间，但可以及时获得$15,000 支付款用于后事处理）。
When the news is bad （在生命结束前十二个月可获得保额支付）
Your Life Cover allows the benefit to be paid out early upon diagnosis of a terminal illness. While this is not something any of us want to think about, having access to these funds at this time can help prevent financial stress from compounding the obvious emotional stress at such a difficult time.
Bringing your loved one home （支付护灵归宗费至 $20,000 ）
Should you pass away while travelling, working or living overseas, the repatriation benefit allows early payment of up to $20,000 of the Life Cover to reimburse the costs involved with returning to New Zealand.
This benefit also applies to the repatriation out of New Zealand to the assured’s “home” country, should this be desired. Pre-approval is necessary.
Premium options （保费支付方式）
You have four premium options to choose from for your Life Cover:
Yearly renewable term – Your premiums are based on your current age and sum insured and are adjusted each year on your policy anniversary. （按年续新）
Level term to age 65 （定额定期至65岁，而后按年续新）- Premiums are averaged and then guaranteed to remain the same until you reach age 65, at which time the premium structure automatically reverts to yearly renewable term. Premiums only change in line with any changes to your sum insured until age 65。
Level term to age 80 （定额定期至80岁，而后按年续新） – Premiums are averaged and then guaranteed to remain the same until you reach age 80, at which time the premium structure automatically reverts to yearly renewable term. Premiums only change in line with any changes to your sum insured until age 80.
5% stepped, 10 year（在10年为一个周期内，保费每年按5%增加） – Premiums are averaged and then guaranteed to only increase by the fixed 5 % step on every anniversary during each 10 year period. Premiums otherwise only change in line with any changes to your sum insured during each 10 year period.
Expert assistance （支付理财和法律咨询费用至 $2,500）
If you or your family would like assistance with managing the proceeds of a Life Cover claim, your Life Cover benefit provides a financial and legal advice benefit which reimburses the costs of a financial planner and/or lawyer up to a maximum of $2,500, payable in addition to your Life Cover.
Funeral support for your children (提供对18岁以下子女之保险) Should a dependent child under the age of 18 pass away while you are covered under this benefit, you will receive an automatic funeral support benefit, which is payable in addition to your Life Cover. The amount payable for children between the ages of 10 and 18 is $3,500; or $2,000 (less any other amounts payable) for children under 10 years of age.
Special events increases 特殊事项增加保险额
A number of life events can trigger a need to increase your Life Cover. The special events increase benefit allows your Life Cover to be increased (within limits) without further health assessment for the following life events:
Marriage or civil union（结婚或结伴）
Divorce or legal separation（离婚或分离）
Becoming full-time carer for a dependent relative（全职护理）
Birth or adoption of a child（出生或领养）
Taking out or increasing a mortgage（申请或增加房屋贷款）
A dependent child starting full-time tertiary study（子女教育）
An increase in annual salary（收入增加）
Future proofing the value of your benefits （保额和保费随通胀而长）
To ensure your Life Cover benefit can continue to deliver the same real value to you as when you first purchased it, your Life Cover benefit will automatically increase by inflation each year. These increases apply irrespective of any changes to your health after your Life Cover starts. You also have an option to set a minimum inflation rate of 5% so even when the inflation rate falls below this level your Life Cover will still increase by 5%.
Of course, if your Life Cover does increase by inflation, so will your premiums. You can choose to decline any increase in any given year without losing the automatic increase in following years, so you have the best of both worlds – automatic rights to increase with no obligation to do so.
Optional increase benefit （选择购买增加未来保险金额的权利）
In addition to the increase options under the special events benefit and automatic inflation adjustments, you can also purchase a future insurability option which allows further increases to your Life Cover each year without further assessment (up to certain limits).
Loyalty discount。 The discounts that apply start from the 2nd anniversary and increase each year by 1% until reaching 10%. (从第二年起，保费折扣额逐年增加一个百分点，至10%)
A premium holiday (提供保费支付假期)
This is available to you to provide financial relief during difficult times without losing your valuable cover. In the tragic event, the life cover provides up to six months of free Life Cover, while you rearrange your financial affairs. Alternatively your premiums and cover may be suspended for up to twelve months if you need temporary financial relief. At the end of the suspension period you can restart your Life Cover without being reassessed.
Keeping your Protection Plan up to date (随产品优化而优化)
Guarantees to automatically apply any future enhancements we make to Life Cover to your policy, provided there is no additional premium required for those enhancements.
Worldwide cover (效力无疆域限制)
Your Life Cover is valid wherever you may be in the world.