A lump sum so your family keeps their plans
Life Insurance in New Zealand
Life cover pays a tax-free lump sum to the people who depend on you — enough to clear the mortgage, cover education and keep the household running.
Tax-free lump sum
Paid to your nominated beneficiaries or estate, usually within weeks of a claim.
Level or stepped premiums
Stepped starts cheaper; level costs more early and far less over a long term.
Bundle the add-ons
Trauma and TPD benefits attach to the same policy for a lower combined cost.
The detail
What life insurance covers
A typical New Zealand policy looks like this. Your final wording is set by the insurer we place you with — we walk you through it before you sign.
Usually included
- Death benefit paid as a lump sum
- Terminal illness advance payment
- Funeral benefit paid quickly
- Cover continues if you change jobs
- Future insurability at set life events
Worth adding
- Trauma / critical illness cover
- Total and permanent disability
- Income protection
- Waiver of premium
Commonly excluded
- Suicide within the first 13 months
- Non-disclosure of medical history at application
- Cover lapsed for non-payment
- Specified hazardous activities where excluded
Questions
Life Insurance FAQs
Ready for cover that actually fits?
Tell us what you need protected. An adviser compares the market and comes back with options in plain English — usually within one business day.