Best Trauma Insurance NZ 2026: How to Compare Critical Illness Cover
QuoteHub's position is that no single trauma insurance policy is best for every New Zealander, because a claim is decided by wording rather than by brand. Most retail trauma cover here comes from six insurers, and the differences that decide claims are the cancer, heart attack and stroke definitions, whether an early-stage diagnosis attracts a partial payment of 10% to 25% of the sum insured, and whether cover reinstates afterwards.
In short
- Most New Zealand providers name 40 to 60 covered conditions, and a carcinoma in situ diagnosis typically attracts a partial payment of 10% to 25% of the sum insured.
- Asteron Life paid 97% of the trauma, life and income protection claims it received between 1 July 2023 and 30 June 2024 (Asteron Life media release, 11 December 2024, retrieved 18 August 2026).
- Standalone trauma keeps its own sum insured, while accelerated trauma is paid from the life cover, so a $200,000 trauma claim reduces the life payout by $200,000.
The best trauma insurance in New Zealand is the policy whose wording covers the diagnosis you actually receive, which is why the comparison that matters is definitions rather than price. Six insurers write most retail trauma cover here, and they separate on three things: how cancer, heart attack and stroke are defined, whether early-stage events attract a partial payment, and whether cover reinstates after you claim.
Trauma insurance, also called critical illness cover, pays a lump sum on diagnosis of a covered condition. Unlike health insurance, which reimburses treatment costs, it hands you cash with no restriction on how it is used: mortgage payments, private treatment, income replacement, or simply time.
The trap is that policies look interchangeable at quote stage. Condition definitions, partial payment rules and the number of covered conditions vary between insurers, and the difference only appears when a claim is assessed against the wording.
This guide compares trauma insurance across the major NZ providers for 2026, insurer by insurer, with a definition comparison and a framework for choosing.
Which Trauma Insurance Is Best in NZ?
There is no single best trauma insurance policy in New Zealand, and any page that names one without knowing your medical history is guessing. What can be said honestly is which insurer to look at first for a given priority, based on the documented differences in their products. The table below is our starting position; the sections that follow show the reasoning, and underwriting will have the final say on what you are actually offered.
| If this matters most to you | Look at first | Why |
|---|---|---|
| Breadth of definitions and partial payments | Partners Life | Broad condition wording, partial payment for early-stage cancer, and cover reinstatement after a partial claim |
| Published claims performance | Asteron Life | 97% of Trauma, Life and Income Protection claims received in the year to 30 June 2024 |
| Financial strength behind the promise | AIA New Zealand | AA (Very Strong) from Fitch, the strongest grade among the insurers here |
| A New Zealand-owned insurer | Fidelity Life | The largest NZ-owned and operated life insurer, with a full trauma range |
| Bundling trauma with health cover | nib NZ, Southern Cross | Primarily health insurers; trauma is narrower but sits alongside an existing health policy |
| Keeping the premium down | Accelerated cover, not a different insurer | Accelerated trauma shares the sum insured with life cover and costs less than standalone; the trade-off is a reduced life payout |
Two people the same age can get materially different answers from the same insurer once health history is assessed, so treat this as where to start looking, not where to stop.
What Trauma Insurance Actually Pays For
Trauma insurance pays a lump sum directly to you on diagnosis of a covered critical illness such as cancer, heart attack or stroke, with no restrictions on how the money is used. New Zealanders commonly put it toward mortgage payments, private treatment to skip public waiting lists, income replacement, childcare, debt clearance or business continuity.
Common uses include:
- Mortgage payments while you are off work or reducing hours during treatment
- Private treatment access to skip public waiting lists for surgery, oncology, or cardiac care
- Income replacement during recovery periods where you earn less or nothing
- Childcare and household help while you or your partner focuses on recovery
- Debt clearance to reduce financial pressure during an already stressful time
- Business continuity for self-employed people who need to hire temporary help or wind down commitments
The lump-sum nature of trauma cover is what separates it from health insurance (which pays treatment invoices) and income protection (which pays a monthly benefit while you cannot work). Trauma cover fills the financial gap that sits between medical bills and lost income. It covers the disruption costs that no other product addresses.
The Conditions That Trigger a Claim
All major New Zealand trauma policies cover the three conditions that drive most claims (cancer, heart attack and stroke) and the insurers that publish claims breakdowns consistently show cancer as the single largest cause. Most providers cover between 40 and 60 named conditions, though how each condition is defined matters more than the total number covered.
Beyond those core three, the number and breadth of covered conditions varies by insurer.
Typical conditions covered across all major providers
Every major New Zealand trauma policy sorts its covered conditions into the same five families. Cancer takes in invasive cancer, carcinoma in situ on a partial basis and certain leukaemias; cardiovascular takes in heart attack, coronary artery bypass, stroke and aortic surgery; and the remaining groups are neurological, organ failure, and other critical events such as major burns, paralysis and loss of sight.
| Condition Category | Examples |
|---|---|
| Cancer | Invasive cancer, carcinoma in situ (partial), certain leukaemias |
| Cardiovascular | Heart attack, coronary artery bypass, stroke, aortic surgery |
| Neurological | Multiple sclerosis, motor neurone disease, Parkinson's disease, dementia |
| Organ failure | Kidney failure, major organ transplant, liver failure |
| Other critical events | Major burns, loss of limbs, loss of sight, coma, paralysis |
Most providers cover between 40 and 60 named conditions. However, the total number of conditions is less important than how each condition is defined. A policy that covers 60 conditions with narrow definitions may pay fewer claims than a policy covering 45 conditions with broader wording.
How We Assessed Each Provider
Our trauma insurance comparison rests on four weighted criteria: condition definitions and claim triggers at 35%, partial and early-stage payment provisions at 25%, reinstatement and continuation options at 20%, and premium competitiveness and structure at 20%. Definitions carry the most weight because they determine whether a New Zealand claim is paid.
Condition definitions and claim triggers (35%). How broadly or narrowly each insurer defines the key conditions, particularly cancer, heart attack, and stroke. This is the single most important factor, because it determines whether your claim is paid.
Partial and early-stage payment provisions (25%). Whether the policy pays for early-stage or less severe events, and how much it pays. This matters because many diagnoses are caught early, and a policy that only pays for advanced-stage conditions may leave a gap.
Reinstatement and continuation options (20%). What happens after a claim. Can you claim again for a different condition? Is your remaining cover reduced, reinstated, or cancelled?
Premium competitiveness and structure (20%). How pricing compares across the market for equivalent cover, and what premium structures are available.
Provider-by-Provider Comparison
Six providers make up the New Zealand trauma comparison set: Partners Life, Asteron Life, AIA New Zealand, Fidelity Life, Southern Cross and nib. Partners Life, Asteron, AIA and Fidelity Life each cover 45 or more named conditions with partial payment provisions, while Southern Cross and nib are primarily health insurers.
Partners Life
Financial strength: A.M. Best A (Excellent), per the Reserve Bank's register of licensed insurers (retrieved 18 August 2026) Number of covered conditions: 50+ Partial payment provisions: Yes, including early-stage cancer
Partners Life offers one of the most comprehensive trauma products in the NZ market. The condition definitions are generally broad, with the cancer definition covering a wide range of malignancies. Early-stage cancer and carcinoma in situ attract partial payments, typically between 10% and 25% of the sum insured.
A key feature is the ability to reinstate cover after a partial claim, meaning you are not left without protection after an early-stage event. The trauma product integrates smoothly with Partners Life's life cover and income protection under a single policy framework.
The Customer Outcomes Review Committee (CORC) provides an additional layer of claims oversight that most competitors do not offer. If a claim is borderline, this independent body can review the decision.
Strengths: Broad definitions, strong partial payment provisions, reinstatement after partial claim, independent claims review.
Best for: Families who want comprehensive definitions and accountability at claim time.
Asteron Life
Financial strength: Fitch A+ (Strong), per the Reserve Bank's register (retrieved 18 August 2026) Number of covered conditions: 45+ Partial payment provisions: Yes
Asteron Life publishes the strongest claims payout figure of the major New Zealand life insurers: it paid out on 97% of the trauma, life and income protection claims it received between 1 July 2023 and 30 June 2024, with more than 95% acceptance in each of those three categories (Asteron Life media release, 11 December 2024, retrieved 18 August 2026). The figure covers those three product lines rather than trauma alone, but it speaks to the company's approach to paying valid claims.
Asteron's trauma definitions are well-regarded in the adviser community. The cancer definition is competitive, and the heart attack definition uses troponin-based criteria that align with modern medical diagnostics. This matters because older-style heart attack definitions required more severe damage before triggering a claim.
A practical feature is the ability to convert stepped premiums to level premiums during the policy term without full re-underwriting. For younger policyholders who want to start with lower premiums and lock in later, this provides genuine flexibility.
Strengths: Strong published payout record (97% of trauma, life and income protection claims received, July 2023 to June 2024), modern diagnostic-aligned definitions, premium conversion flexibility.
Best for: Those who prioritise claims certainty and want the option to transition premium structures over time.
AIA New Zealand
Financial strength: Fitch AA (Very Strong), per the Reserve Bank's register (retrieved 18 August 2026) Number of covered conditions: 50+ Partial payment provisions: Yes, tiered system
AIA offers the highest financial strength rating among NZ life insurers, providing long-term confidence in claims-paying capacity. The trauma product covers a wide range of conditions with a tiered partial payment system that pays varying percentages based on severity.
The AIA Vitality programme extends to trauma policyholders, offering a premium discount that moves up or down with your engagement in healthy behaviours. AIA also offers discounts where trauma cover is bundled with other covers. The discount rules change, so confirm the current terms with AIA or your adviser before you rely on them.
AIA paid $829.6 million in total claims across all product lines in the year ended 31 December 2024, and accepted 92% of the claims it received (AIA NZ Claims Compass 2024 press release, 8 May 2025; acceptance rate from the Chatswood summary of the Claims Compass, 13 May 2025; both retrieved 18 August 2026). That volume gives scale-based confidence in operational claims capability.
Strengths: Fitch AA on the Reserve Bank's register of licensed insurers (retrieved 18 August 2026), tiered partial payments, Vitality wellness programme, multi-cover discounts.
Best for: High-income earners building comprehensive multi-product cover. Those motivated by wellness incentives.
Fidelity Life
Financial strength: A.M. Best A- (Excellent), per the Reserve Bank's register (retrieved 18 August 2026) Number of covered conditions: 45+ Partial payment provisions: Yes
Fidelity Life is the largest NZ-owned life insurer, backed by NZ Super Fund and Ngai Tahu Holdings. The trauma product offers competitive pricing that is often among the lowest in market comparisons, making it a strong option for budget-conscious households that still want quality cover.
The condition definitions are solid, though some advisers note that certain definitions are slightly narrower than Partners Life or Asteron on specific conditions. For the core three (cancer, heart attack, stroke), Fidelity Life's definitions are generally competitive.
Fidelity Life reports that 93% of all the claims it received were accepted and paid, and that it paid $247.7 million in claims, over the year from 1 July 2024 to 30 June 2025 (Fidelity Life, *Claims we've paid* customer brochure, retrieved 18 August 2026). That record suggests competitive pricing does not come at the expense of claims performance.
Strengths: NZ-owned, competitive premiums, solid claims record, long operating history.
Best for: Kiwis who prefer a locally owned provider and want competitive trauma cover pricing.
Southern Cross
Financial strength, health cover: S&P A+ (Strong) for Southern Cross Medical Care Society, per the Reserve Bank's register (retrieved 18 August 2026)
Financial strength, life and serious condition cover: A (Excellent) from A.M. Best for Chubb Life Insurance New Zealand Limited. Southern Cross Life Insurance and the Life & Living products are promoted and marketed by Southern Cross Insurance Services Limited, and they are underwritten and administered by Chubb Life Insurance New Zealand Limited (Southern Cross Life Insurance, Legal disclosure and About Chubb, both retrieved 8 September 2026), so the health society's A+ does not stand behind them.
Southern Cross is best known for health insurance. The life insurance product includes a built-in serious condition benefit, but Southern Cross does not offer standalone trauma cover in the same way as dedicated life insurers like Partners Life, Asteron, or AIA.
For households that want a comprehensive standalone trauma policy, Southern Cross is generally not the primary option. However, if you already hold Southern Cross health insurance, the health cover provides treatment-cost reimbursement that complements a standalone trauma policy from another provider.
Best for: Those combining Southern Cross health insurance with standalone trauma cover from another provider.
nib New Zealand
Financial strength: S&P A (Strong) for nib nz limited, per the Reserve Bank's register (retrieved 18 August 2026)
Like Southern Cross, nib is primarily a health insurer. The company offers life insurance products but does not have the same depth of standalone trauma cover as the dedicated life insurers.
For trauma-specific cover, most advisers would typically look at Partners Life, Asteron, AIA, or Fidelity Life as the primary options.
Best for: Existing nib health insurance customers who want to consolidate cover.
What Drives the Cost of Trauma Cover
Trauma insurance premiums in New Zealand are driven by five variables: your age at application, your gender, your smoking status, the sum insured, and whether you take standalone or accelerated cover. Age is the strongest of these, because the likelihood of a cancer, cardiac or stroke diagnosis rises steeply from the early forties onward. Trauma cover is also unusual in that women are rated higher than men at younger ages, the reverse of the pattern on life cover, because female cancer incidence begins earlier.
How the premium moves with age (non-smoker, standalone cover)
Age is the strongest driver of a trauma premium in New Zealand, and the table shows relative levels rather than prices. It runs from 25, the lowest point in the range and the cheapest age at which to lock in level premiums, to 50, the highest, where accumulated stepped increases are the main reason trauma policies lapse. From 35, female cancer incidence lifts the rate ahead of the male rate.
| Age | Relative premium level | What is driving it |
|---|---|---|
| 25 | Lowest | Diagnosis risk is minimal; the cheapest point at which to lock in level premiums |
| 30 | Low | Commonly taken alongside a first mortgage, while rates are still well below mid-career levels |
| 35 | Moderate | Female cancer incidence starts to lift the rate ahead of the male rate |
| 40 | Noticeably higher | Cancer and cardiac risk both climbing; stepped premiums begin rising visibly each year |
| 45 | High | The annual rate of increase on a stepped structure accelerates sharply |
| 50 | Highest in this range | Accumulated stepped increases are the main reason trauma policies lapse at this age |
The other levers on price
Five further variables move the price once age is set. Women are rated above men at younger ages, with the gap narrowing towards 50; smoker rates are materially higher at every age; and accelerated cover is cheaper than standalone because the insurer's combined exposure across life and trauma is capped. The table gives direction of travel only, drawn from the New Zealand market rather than a published rate card.
| Variable | Effect on premium |
|---|---|
| Gender | Women are rated higher than men for trauma cover at younger ages; the gap narrows towards 50 |
| Smoking status | Smoker rates are materially higher than non-smoker rates at every age |
| Sum insured | The premium rises broadly in line with the amount of cover; there is little volume discount |
| Standalone vs accelerated | Accelerated is cheaper because the insurer's total exposure across life and trauma is capped |
| Premium structure | Stepped starts lower and rises every year; level starts higher and stays flat |
Pricing for identical cover differs between Partners Life, Asteron, AIA and Fidelity Life, and the gaps are not consistent across ages or genders, so no single insurer is cheapest for everyone. Your own figure depends on your full health and lifestyle profile, which is why quoting across several insurers at once is the only reliable comparison. For more on how trauma pricing is structured, see our guide to trauma insurance cost NZ.
Standalone vs Accelerated Trauma Cover
Standalone trauma cover is a separate policy with its own sum insured, so a trauma claim leaves your life cover intact. Accelerated trauma cover shares a sum insured with life cover, so a $200,000 trauma claim reduces the life payout by $200,000. Standalone costs more and suits most New Zealand households with dependants and a mortgage.
Standalone trauma cover is a separate policy with its own sum insured. If you claim on trauma, your life cover is not affected. You receive the full trauma payout and your life insurance remains intact.
Accelerated trauma cover shares a sum insured with your life cover. If you claim $200,000 for a trauma event, your life cover is reduced by $200,000. This means your life insurance payout on death will be lower.
Accelerated cover is cheaper because the insurer's total exposure is capped. Standalone cover costs more but provides better overall protection.
For most households with dependants and a mortgage, standalone trauma cover is the stronger option. Accelerated cover can be appropriate if budget is very tight and you need some trauma protection at a lower cost.
Definition Comparison: Cancer, Heart Attack, Stroke
Partners Life, Asteron Life, AIA and Fidelity Life all pay in full for invasive cancer and for stroke with permanent deficit in New Zealand, and all four pay a partial benefit for carcinoma in situ. Stroke without permanent deficit is generally not covered, though AIA pays partially in some tiers. Exact wording varies by product disclosure statement.
| Feature | Partners Life | Asteron | AIA | Fidelity Life |
|---|---|---|---|---|
| Cancer: invasive malignancy | Full payment | Full payment | Full payment | Full payment |
| Cancer: carcinoma in situ | Partial (10-25%) | Partial (varies) | Partial (tiered) | Partial (varies) |
| Cancer: early-stage prostate | Generally partial | Generally partial | Generally partial | Generally partial |
| Heart attack: troponin-based | Yes | Yes (modern criteria) | Yes | Varies by product |
| Stroke: with permanent deficit | Full payment | Full payment | Full payment | Full payment |
| Stroke: without permanent deficit | Generally not covered | Generally not covered | Partial in some tiers | Generally not covered |
| Reinstatement after partial claim | Yes | Yes | Yes | Limited |
This table is a simplified overview. The specific wording in each product disclosure statement is what matters at claim time. A licensed financial adviser can walk you through the exact definitions that apply to your situation, and can request the current policy wording from each insurer before you apply.
How Trauma Cover Fits with Life and Income Protection
Trauma insurance solves a different problem from life cover and income protection in New Zealand. If you are still deciding which insurer to place all three with, our comparison of the best life insurance companies NZ sets out the same six insurers on financial strength and published claims data. Life insurance pays a lump sum on death or terminal illness, income protection pays a monthly benefit of up to 75% of income while you cannot work, and trauma insurance pays a lump sum on diagnosis of a covered condition.
| Cover Type | Trigger | Payment | Purpose |
|---|---|---|---|
| Life insurance | Death or terminal illness | Lump sum | Debt clearance, family income replacement |
| Income protection | Unable to work (illness or injury) | Monthly benefit (up to 75% of income) | Ongoing cashflow replacement |
| Trauma insurance | Diagnosis of covered condition | Lump sum | Flexibility at diagnosis: treatment, debt, time off |
A common mistake is assuming trauma cover replaces income protection, or vice versa. They address different risks at different stages. You can be diagnosed with a critical illness (triggering a trauma claim) and still be able to work, at least initially. Conversely, you can be unable to work due to a condition that does not appear on the trauma policy's condition list.
Many well-structured insurance plans include all three covers in balanced amounts. The life insurance calculator can help you estimate how much life cover you need, and your adviser can layer trauma and income protection on top.
How to Choose the Right Trauma Policy
Choosing a trauma policy in New Zealand runs through six steps: decide on a cover amount, compare definitions rather than premiums, consider partial payment provisions, check reinstatement options, choose standalone or accelerated cover, and review premium sustainability. A common starting cover amount is $100,000 to $250,000, or 12 to 24 months of essential expenses.
Step 1: Decide on cover amount
A common starting point is $100,000 to $250,000, depending on your mortgage, income, and family situation. The amount should be enough to cover 12 to 24 months of essential expenses plus any private treatment costs you want access to.
Step 2: Compare definitions, not just premiums
Get your adviser to show you the specific wording for cancer, heart attack, and stroke across at least three providers. The differences in definition can materially affect whether a claim is paid.
Step 3: Consider partial payment provisions
Early-stage cancer is increasingly common due to better screening. A policy with meaningful partial payments for early-stage events provides protection for the most likely claim scenario.
Step 4: Check reinstatement options
After a partial claim, can you claim again for a different condition? What happens to your remaining cover? Reinstatement provisions vary and matter for long-term planning.
Step 5: Choose standalone or accelerated
If you can afford standalone, it provides better protection. If budget is tight, accelerated cover is better than no trauma cover at all.
Step 6: Review premium sustainability
A policy you cannot afford to keep in five years is worse than a slightly smaller policy you can maintain. Consider level premiums if you plan to hold the cover long-term. For more on this decision, read our guide to stepped vs level premiums.
Common Mistakes When Choosing Trauma Cover
Four mistakes recur when New Zealanders choose trauma cover: buying on brand alone, ignoring partial payment rules, choosing too little cover, and failing to review after life changes. Early-stage and less severe conditions often attract partial payments of 10% to 25% of the sum insured rather than a full payout.
Buying on brand alone. The "best" insurer depends on your specific situation. A provider with excellent life insurance may not have the strongest trauma definitions.
Ignoring partial payment rules. Many people assume trauma cover pays 100% for any diagnosis. In reality, early-stage and less severe conditions often attract partial payments. Understanding these rules before you need them is critical.
Choosing too little cover. A $50,000 payout may sound meaningful, but if you have a $600,000 mortgage and cannot work for six months, it will not go far. Err on the side of slightly more cover rather than slightly less.
Not reviewing after life changes. A trauma policy set up at age 30 with no mortgage may be inadequate at age 40 with a $500,000 mortgage and two children.
Frequently Asked Questions
Is trauma insurance worth it in NZ?
For many households, yes. Cancer, heart attack, and stroke are common events that create significant financial disruption even when treatment is successful. The lump-sum payout provides flexibility that no other insurance product offers at the point of diagnosis. If your household would struggle financially during a serious illness, trauma cover addresses that risk directly.
Does trauma cover pay for early-stage cancer?
Most major NZ providers include partial payment provisions for early-stage cancer and carcinoma in situ, typically paying between 10% and 25% of the sum insured. However, the specific wording varies significantly between providers. Some policies are more generous with early-stage payments than others, which is why definition comparison matters.
Is trauma cover the same as health insurance?
No. Health insurance reimburses the cost of medical treatment (surgery, specialist consultations, hospital stays). Trauma insurance pays a lump sum on diagnosis that you can use for any purpose, whether that is treatment, mortgage payments, or time off work. Many households hold both, because they solve different problems.
How much trauma cover should I have?
A common guideline is 12 to 24 months of essential household expenses, plus any private treatment costs you want access to. For a household with a mortgage, essential expenses of $5,000 per month, and a desire for private treatment access, $150,000 to $250,000 is a reasonable starting range. Your adviser can refine this based on your specific situation. The trauma insurance calculator can give you a personalised estimate.
Can I have trauma and income protection together?
Yes, and this is a common and recommended combination. Trauma cover pays a lump sum at diagnosis for immediate flexibility. Income protection pays a monthly benefit if you cannot work, providing ongoing cashflow. They cover different risk scenarios and are designed to work alongside each other. For more detail, read our comparison of income protection vs trauma insurance.
What happens if I get a condition not on the covered list?
The policy only pays for conditions specifically named in the product disclosure statement. If you develop a condition not listed, or one that does not meet the severity threshold in the definition, the trauma policy will not pay. This is why the breadth and wording of covered conditions matter when comparing policies.
Can I claim trauma insurance more than once?
This depends on the policy. Some providers offer reinstatement provisions that allow a second claim for a different condition after a partial or full claim. Others reduce or cancel remaining cover after the first claim. Check the reinstatement and continuation terms before committing.
References
- Asteron Life, Life Insurer of the Year reports 97% claims payout rate, 11 December 2024 (retrieved 18 August 2026)
- AIA NZ, $829.6m in total claims paid in 2024, press release 8 May 2025 and the Chatswood summary of AIA's Claims Compass, 13 May 2025 (both retrieved 18 August 2026)
- Fidelity Life, Claims we've paid customer brochure, 1 July 2024 to 30 June 2025 (retrieved 18 August 2026)
- Reserve Bank of New Zealand, Register of licensed insurers (financial strength ratings, retrieved 18 August 2026)
- Financial Markets Authority (FMA), Insurance guidance
- Cancer Society of New Zealand, Cancer statistics
- Heart Foundation NZ, Heart disease in New Zealand
- Insurance & Financial Services Ombudsman (IFSO)
- Sorted.org.nz, Insurance guides
- Insurance Council of New Zealand (ICNZ)
- Ministry of Health NZ, Cancer registrations
Disclaimer
The information in this article is general in nature and does not constitute personalised financial advice. It is intended to help you understand and compare trauma insurance options in New Zealand and should not be relied upon as a substitute for advice from a licensed financial adviser.
QuoteHub is operated by Craig Smith Business Services Limited, trading as Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider (FSP712931). Our advisers are bound by their own disclosure obligations, which are set out on our disclosure page.
Insurance needs vary by individual. Cover amounts, premiums, and policy terms depend on your personal circumstances including age, health, occupation, and income. We recommend obtaining personalised advice before making any insurance decisions.
This article does not publish premium figures. Pricing depends on your personal circumstances and changes over time, so always confirm current pricing with a personalised quote from your adviser.
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