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NZ Life insurance protects your loved ones when you can’t

Life and terminal illness insurance cover pays out a lump sum, or in some cases a monthly payment, when you die or are diagnosed with a terminal illness. It is paid out to your family – usually the surviving joint policy holder or a spouse or children and is tax free.

Life insurance can be used for a number of purposes when it is paid out including:

  • Covering funeral costs – usually paid within 48 hours
  • Paying off a mortgage
  • Paying for school or university fees
  • Reducing debts

If your insurance is paid out due to a terminal illness it can be used for things like covering salaries or other costs if you cannot work or paying medical bills. Terminal illness cover is paid if you are diagnosed with an illness that leaves you with less than 12 months to live.

Our adviser can help you choose the right amount of life insurance

The amount of life insurance you need will depend on your situation – for example, how old you are currently, how many dependents you have and what you still might want to do. The cost of premiums is based on age and current health and either stay the same or increase over time depending on the type of policy you have. 

You may also like to take out life insurance with critical illness cover or trauma cover which protects you in the event of a non-terminal illness or accident or private medical cover to pay for any unexpected medical bills. 

Our independent insurance adviser can help you assess your needs and advise on the best option. You might want to consider checking your insurance if you have recently:

  • Got married or divorced or had a baby, or expanded your family
  • Made lifestyle changes such as giving up smoking
  • Had a change of employment that has affected your income or how risky your job is
  • Bought a house or started a business

Contact us to discuss which cover would be right for you. We work with clients across Auckland and NZ-wide.


Get in touch for an insurance quote or a review of your current insurance policies


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