American Express
Credit Secure Plus
Financial help in times of need
Accidents can happen, so can involuntary job loss and both can destroy your earning power in an instant. However with American Express Credit Secure you can have financial reassurance when you need it the most.
The benefits available with American Express Credit Secure include:
- Involuntary Unemployed
- Up to $750 per month (level 5), benefit payable for up to 6 months. There is a 90 day waiting period on the inception on the policy
- Income Assistance
- Up to $2,500 per month (level 5), benefit payable for up to 6 months should you become unexpectedly disabled by an accident and be unable to work
- Serious Accident
- lump sum payment of up to $250,000 (level 5), paid if permanently disabled as result of an accident
- Card Repayment Benefit
- In the event of an Accidental Injury resulting in the permanent injuries listed above, additional cover to help pay off any outstanding balance on your Card
- Credit Card Fees
- A lump sum payment of $100 will be paid in the event of your serious accident
| Level 1 | Level 2 | Level 3 | Level 4 | Level 5 | |
|---|---|---|---|---|---|
| Yourself Only Yourself and Your Spouse |
$9.95 $18.95 |
$18.95 $36.95 |
$27.95 $54.95 |
$36.95 $72.95 |
$45.95 $90.95 |
| Involuntary Unemployment Able to register as unemployed by Work & Income NZ (for up to six months, 30 day waiting period on event and 90 day waiting period on policy) |
$150 Monthly | $300 Monthly | $450 Monthly | $600 Monthly | $7,50 Monthly |
| Income Assist Accident temporarily prevents work duties (for up to six months) |
$500 Monthly | $1000 Monthly | $1500 Monthly | $2000 Monthly | $2500 Monthly |
| Serious Accident Quadriplegia, Paraplegia, Loss of use of Limbs, Loss of Sight |
$50,000 lump sum |
$100,000 lump sum |
$150,000 lump sum |
$200,000 lump sum |
$250,000 lump sum |
| Card Repayment Benefit In the event of an Accidental Injury resulting in the permanent injuries listed above, additional cover to help pay off any outstanding balance on your Card. |
$5000 lump sum |
$10,000 lump sum |
$15,000 lump sum |
$20,000 lump sum |
$25,000 lump sum |
| Credit Card Fees | $100 lump sum | $100 lump sum |
$100 lump sum |
$100 lump sum |
$100 lump sum |
*Benefits for up to six months, 30 day stand down period on involuntary Unemployment and Income Assistance, there is a 90 day waiting period from inception on involuntary unemployment.
Accident Income Assist is payable up to 85% of your pre-tax income.
Additional benefits
- Guaranteed Acceptance to age 65
- Choose from 4 levels starting at $9.95 a month
- Premiums do not increase with age
- No joining fee
How do I apply?
Click here to download a Credit Secure application form. Then print it out, enter your details and fax it to us. For further information please use the contact options below.
- FREE CALL: 0800 656 667
- FAX: Application form on 0800 440 709
- E-mail:
customer.relations@ace-ina.com
Credit Secure Plus application form
(PDF: 80KB / 1 pages)
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General policy exclusions
Some standard exclusions apply. These include; pre existing conditions, deliberately self-inflicted injuries, criminal acts, influence of intoxicating liquor, engaging in any professional sports, motor sports as a rider or passenger, war or war like activities, pilot or crew member of any aircraft. For full details on exclusions please refer to the Policy Documentation, which can be obtained by calling ACE Insurance on
About your Insurer
The American Express Credit Secure plan is issued and underwritten by ACE Insurance Limited. For more information on your insurer, please phone customer service on
