When the worst happens, insurance can impact people's lives for the better. A life insurance policy makes sure that if you die or are diagnosed with a terminal illness, your loved ones get a lump sum of money or monthly payment so they can continue their lifestyle.
Everyone's situation is unique, which is why we connect you with personal life insurance policies tailored to your needs.
Life insurance is a policy that pays a lump sum to your chosen beneficiaries if you pass away. In New Zealand, this money can be used to pay off a mortgage, clear debts, cover living costs, or fund future needs like education. Having life insurance means your family won’t be left financially vulnerable at an already difficult time, giving you peace of mind that they’ll be looked after.
For many households, a sudden loss of income would put a huge strain on day-to-day living. Life insurance NZ is designed to remove that worry by providing immediate financial support. It can help your partner keep the family home, ensure your children’s education continues, and make sure everyday expenses are still covered. Choosing the right level of life cover is about protecting your loved ones from financial stress when they need it most.
The right amount of life insurance depends on your personal circumstances, including your income, debts, mortgage, dependants, and long-term goals. Some people only want enough to clear the mortgage, while others prefer cover that also funds ongoing family expenses. An adviser can work with you to calculate the right figure and help you compare options from different providers to find the best life insurance NZ for your needs.
Yes. Most people start with straightforward life insurance, which covers you for a set period such as 10, 20 or 30 years. Some insurers also offer additional options like trauma cover, total permanent disability cover, or income protection, which can be bundled with life insurance for more complete protection. A licensed life insurance company can explain which mix of products works best for your stage of life.
There are several trusted life insurance companies in New Zealand, including AIA, Asteron Life, Partners Life, Fidelity Life and Chubb Life. Each offers similar core products, but with differences in features, benefit amounts, and optional add-ons. Working with an independent adviser like NZ Insurances means you can compare policies across these providers and choose the best life insurance NZ for your family and budget.
