Life Insurance
Coverage Guide
Protect your family's financial future if the worst happens. We match you to the right provider and plan — saving you time and, in most cases, money.
- ✓From $20/month — indicative starting price
- ✓Compare Southern Cross, nib, AIA & Partners Life
- ✓Matched to cover that fits — no paying for what you don't need
- ✓Free service — advisers are paid by insurers, not you
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What's Included
Life insurance provides a lump sum payment to your family if you pass away. Combined with health insurance, it gives your loved ones financial security when they need it most.
Key Benefits
Lump sum on death
Terminal illness benefit
Trauma cover add-on
Fixed or level premiums
Family protection
Frequently Asked Questions
What does Life Insurance cover?
Life insurance provides a lump sum payment to your family if you pass away. Combined with health insurance, it gives your loved ones financial security when they need it most.
Is Life Insurance essential?
Coverage essentiality depends on your age, health status, and personal circumstances. Hospital and surgical cover is generally considered essential for most New Zealanders. A licensed adviser can help determine what's right for you.
How much does Life Insurance cost?
Life Insurance costs from $20 per month depending on your age, health status, and the excess you choose. Younger, healthier individuals typically pay less. You can get a personalised quote from our advisers.
Are there waiting periods?
Most health insurance policies have a 2-3 month general waiting period for new conditions. Some specific conditions like mental health may have longer waiting periods. Accidents are usually covered from day one.
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