Life Insurance
Protect your family's future.
A lump sum to help repay your mortgage, cover living costs and support the people who depend on you.
Who needs it?
- Parents with dependants and a mortgage
- Couples where one income supports the household
- Business owners whose families rely on the business
- Anyone wanting to leave a legacy or cover final expenses
What it covers
- Death from illness or accident (subject to policy terms)
- Terminal illness (usually defined as life expectancy under 12 months)
- Optional extras such as funeral advance benefits
How much cover?
We consider your outstanding mortgage and debts, ongoing living costs and education expenses, any existing cover through work or other policies, and your budget for premiums.
Underwriting & health
Applications involve health and lifestyle questions. Pre-existing conditions may affect terms or pricing. We prepare your submission carefully and negotiate with underwriters on your behalf.
Not sure how much life cover you need?
Get a free life insurance estimate from a licensed NZ adviser.