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Insurance

Picture this: Life throws a curveball, and suddenly you can’t work due to illness, injury, or even redundancy. Scary thought, right? But here’s where our Payment Protection Insurance shines! It’s like a financial safety net, stepping in to cover your loan repayments when you’re in a pinch. Whether you’re temporarily out of action or facing a more serious setback, this policy keeps your finances steady and stress-free. 

Now, let’s talk peace of mind. Our policy isn’t just a plan for tough times; it’s a promise of security. If the unforeseen happens, you won’t be burdened with loan repayments. Plus, there’s the freedom of a 30-day ‘Free Look’ period. Not thrilled with the coverage? Cancel within 30 days for a full refund. It’s flexible, it’s reliable, and it’s designed to keep you and your dreams afloat no matter what. That’s a promise worth having! 

About SBS Insurance 

Southsure Assurance Limited, trading as SBS Insurance is a licensed insurer and the underwriter of this policy. The Reserve Bank of New Zealand supervises SBS Insurance.

SBS Insurance is a subsidiary company of Southland Building Society (SBS). SBS trades as SBS Bank, a registered bank in New Zealand. SBS doesn’t guarantee SBS Insurance's obligations. 

Southsure has a financial strength rating of BBB+ from Fitch Ratings Inc. Fitch is one of the three main credit rating agencies. The other two are Moody’s and Standard & Poors. This places Southsure in the secure range of Fitch’s rating scale below.

Summary of benefit payments and eligibility

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The Annual Interest Rate (AIR) for Personal Loans is variable, ranging from 8.99% to 29.99% p.a. and loan terms from 1 year to 7 years. For illustration purposes, a Personal Loan of $10,000 over 5 years at 12.99% AIR results in monthly payments of $227.34, with a total repayment sum of $13,640.40, reflecting an Annual Percentage Rate (APR) of 16.00%. Quoted totals do not include optional Payment Protection Insurance or Lender Establishment Fees which range from $117 to $395. 

Credia Limited (FSP 1005124, trading as Lenny) is a Financial Advice Provider Licenced by the Financial Markets Authority (FMA) to provide financial advice and is a member of the Financial Disputes Resolution Service (FDRS), FM6548. Disclosure Statement. Our services are provided in accordance with our Terms and Conditions.

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