Life Insurance Check
Life Insurance in New Zealand
You get a licensed adviser’s written read on whether your life cover still matches your debts, your income and the people depending on you, free, and you decide what happens next.
No pressure. Nothing is sent to an insurer without your say-so. Calls answered Mon–Fri 9am–6pm NZT on 09 801 2119.
- Cost to you
- Free, no obligation
- Your premium
- Same price as going direct
- Who advises
- Licensed FAP, FSP712931
Start your cover review
Takes about 2 minutes
No spam. No obligation. A licensed NZ adviser may contact you to explain your options.
4 million
New Zealanders held about 4 million life insurance covers at 31 March 2026, in a population of about 5.35 million.
Written by Henry Smith, Financial Adviser (FSP1010699) · Reviewed by Smiths Insurance & KiwiSaver, licensed Financial Advice Provider (FSP712931) · Updated 8 September 2026 · Sources · How we’re paid
What this check covers
Plain English. The things an adviser actually looks at when they review your cover.
Whether your current cover amount still matches your actual responsibilities
If your policy includes the right features for your situation today
Whether you're paying more than you need to for the same level of protection
If there are gaps between what you think you're covered for and what your policy actually pays out
Adviser’s view
The thing people miss is that their cover was sized for the life they had when they bought it. A bigger mortgage, a second child, a business loan, none of that reaches the insurer on its own. I regularly see cover set for a mortgage half the size of the one the household now carries. Nothing failed; nobody went back to it.
Why this gets missed
Common mistakes Kiwis make
Set and forget
You took out a policy years ago and haven't reviewed it since. Your mortgage, income, and family situation have all changed but your cover hasn't.
Assumed the bank sorted it
Many people take whatever the bank offers at mortgage time without comparing. Bank-offered cover often has fewer features and higher premiums than standalone policies.
Don't know what they actually have
Most people can't explain what their life insurance actually covers. That's a problem you only discover at claim time.
How it works
Three steps, and you set the pace. Reviews typically take 15–20 minutes.
- Step 1
Preliminary check
Submit basic details through a short form. Takes approximately 2 minutes. Name, contact information, and context.
- Step 2
Adviser contact
A licensed adviser will reach out to confirm details, review your current situation, and explain available options.
- Step 3
Your decision
You decide whether to proceed, request changes, or do nothing. There is no obligation to move forward.
There is no obligation to proceed at any step. The goal is clarity, not conversion. See the full process
The insurers behind life cover in New Zealand
Financial strength is the one comparable, published fact about an insurer: an independent agency's view of its ability to pay claims. Every grade below is the insurer's own published disclosure for the named New Zealand licensed entity, linked and dated. A rating belongs to that entity, not to a brand or a product name.
| Insurer | Licensed entity | Financial strength | Rating as at | How you can buy |
|---|---|---|---|---|
| AIA New Zealand | AIA New Zealand Limited | AA (Fitch, source, retrieved 14 Aug 2026) | Date not published | Adviser or direct |
| Asteron Life | Asteron Life Limited | A+ (Fitch, source, retrieved 14 Aug 2026) | Date not published | Through an adviser |
| Chubb Life NZ | Chubb Life Insurance New Zealand Limited | A (Excellent) (A.M. Best, source, retrieved 14 Aug 2026) | Date not published | Adviser or direct |
| Fidelity Life | Fidelity Life Assurance Company Limited | A- (A.M. Best, source, retrieved 14 Aug 2026) | Date not published | Through an adviser |
| Momentum Life | Momentum Life Limited (FSP472286) | B (Fair) (A.M. Best, source, retrieved 14 Aug 2026) | 11 Feb 2026 | Adviser or direct |
| Partners Life | Partners Life Limited | A (Excellent) (A.M. Best, source, retrieved 14 Aug 2026) | 5 Feb 2026 | Through an adviser |
Ratings are not a recommendation, and they say nothing about what a policy covers or what it costs. They were read from each insurer's own disclosure on 14 Aug 2026 and can change. Every licensed New Zealand life and health insurer, with its rating · How we compare
What life cover actually includes, insurer by insurer
Price is the easiest thing to compare and the least useful, because it changes with your age and your health and nothing else on this page does. These twelve features are the ones that decide what a life claim pays, and every value below was read from the insurer document linked beside it.
| Feature | What it decides | AIA New ZealandAIA Living Life Cover | Chubb LifeAssurance Extra Life Cover | Fidelity LifeLife cover | Partners LifeLife Cover | Asteron LifeLife Cover |
|---|---|---|---|---|---|---|
| Entry age | The ages at which the insurer will accept a new application. | Not published | Not published | 16 to 75, with no expiry age while premiums are paid[1] | Not stated; cover can be taken from $1,000 of sum insured upwards[2] | Not published |
| Maximum sum insured | The largest amount of cover the published documents commit to. | Not published | Not published | Not published | Not published | Not published |
| Terminal illness advance | Pays the cover early once life expectancy falls below a stated period. | Up to 100% of the Life Cover Benefit where the life assured is expected to live no more than 12 months[3] | Early payment of the Life Cover sum insured on a terminal illness likely to cause death within 12 months[4] | The full amount insured, on a prognosis of less than 12 months[1] | 100% of the sum insured on a prognosis of 12 months[2] | The Life Cover payment, on a prognosis of less than 12 months[5] |
| Advance on a specified terminal condition | A part payment on a named diagnosis, before the 12-month test is met. | Specified Terminal Conditions Benefit: the lower of 30% of the Life Cover Benefit or $250,000[3] | Not published | 30% of the amount insured, up to $250,000, in some cases[1] | Terminal Illness Advance Benefit: 30% of the sum insured to a maximum of $600,000, on listed conditions or a 24-month prognosis[2] | The lesser of $250,000 or 30% of the sum insured, on listed conditions or a life expectancy of 24 months or less[5] |
| Bereavement or funeral advance | Money released on notification of death, before probate. | Bereavement Support Benefit: $15,000 where the life assured is the sole policy owner, $25,000 where there is a surviving policy owner[3] | Early payment of up to $25,000 towards funeral expenses[4] | An early payment of up to $25,000 towards funeral costs[1] | The lesser of $25,000 or the sum insured, immediately on notification of death[2] | A funeral advancement of $15,000 or $25,000 from the Life Cover[5] |
| Financial and legal advice benefit | Reimburses professional advice on what to do with the payment. | Up to $2,500 including GST towards financial planning or legal advice, from a provider the insurer accepts[3] | Reimburses up to $2,500 of the cost of receiving professional advice[4] | Not published | Up to $3,000, in addition to the sum insured[2] | Up to $2,500 for financial planning and legal advice, plus up to $2,500 of grief counselling[5] |
| Repatriation | Brings the person home if they die overseas. | Reimburses the policy owner for the cost of returning the life assured[3] | Reimburses costs up to $20,000 to return the remains to New Zealand[4] | Not published | Up to 25% of the sum insured to a maximum of $20,000, in addition to the sum insured[2] | Reimburses up to $15,000 or $25,000 of the direct costs[5] |
| Special-events increase, no underwriting | Raises the cover after a mortgage, a baby or a pay rise without new medical evidence. | The lower of 50% of the original Life Cover Benefit or $250,000 per event; not available to a life assured over 55, and the request must be made within 12 months of the event[3] | Up to $250,000 on a qualifying life event, without further assessment of health[4] | Increases available any time before age 55 without medical evidence; amount not stated[1] | The lesser of $300,000 per increase, the actual mortgage increase, or five times the annual salary or net business profit increase[2] | Available on a special event without medical underwriting; amount not stated[5] |
| Increases with no event required | A guaranteed way to top up cover without waiting for a life event. | Optional Life Future Insurability Benefit: total increases limited to the lower of twice the original Life Cover Benefit or $1,000,000, offered before each third anniversary[3] | Not published | The amount insured can be set to increase each year against inflation[1] | Future Insurability Option: up to 10% of the original sum insured each policy anniversary, for up to 10 years[2] | An inflation adjustment is offered each year at the consumer price index, with no further underwriting[5] |
| Premium suspension | Puts the policy on hold through redundancy, parental leave or study. | Cover can be suspended for up to 12 months with no premium payable, and reinstated at the end without further medical evidence[3] | Not published | Payment breaks and temporary suspension in certain circumstances, including redundancy, going overseas and study[1] | Not published | Not published |
| Waiver of premium | Keeps the cover in force while you are too unwell to earn. | Not published | Premium Cover is a separate cover in the Assurance Extra suite, and is mandatory alongside Income Cover[6] | Not published | Not published | 'We pay your premiums' benefit, where illness or injury stops you working more than 10 hours a week in your usual job[5] |
| Children's cover attached to the policy | What the policy does for a dependent child, at no extra application. | Parents Grieving Benefit: $2,000 where the child is under 10, $15,000 from age 10, and it does not reduce the sum assured[3] | Not published on the Life Cover page; a complimentary children's benefit of up to $50,000 sits under Trauma Cover[7] | Children aged 3 months to 20 years are covered under Trauma cover for $50,000 or 20% of the cover amount, whichever is lower[8] | Dependent Child Funeral Support Benefit: $2,000 before age 10, $15,000 from 10 to 21, in addition to the sum insured[2] | Free Kids Cover of $50,000 of trauma cover for each child or grandchild, which can be increased to $200,000[5] |
- [1] Fidelity Life, Life cover, read 8 Sep 2026.
- [2] Partners Life, Life Cover overview, Partners Life Journey Plan, PLJP_OVERVIEW_LIFE COVER_V03_1025, read 8 Sep 2026.
- [3] AIA New Zealand, AIA Living Life Personal Cover Policy Wording, 10 October 2023 (1101 AL-LIFE version 5), read 8 Sep 2026.
- [4] Chubb Life New Zealand, Assurance Extra, Life Cover and Life Income Cover, read 8 Sep 2026.
- [5] Asteron Life, Life Cover brochure, RP321 (09/24), read 8 Sep 2026.
- [6] Chubb Life New Zealand, Assurance Extra Income Cover brochure, cig0007 v5, read 8 Sep 2026.
- [7] Chubb Life New Zealand, Assurance Extra Trauma Cover brochure, cig0019 v6, read 8 Sep 2026.
- [8] Fidelity Life, Trauma cover, read 8 Sep 2026.
Life cover: the words on the page, in plain English
Insurance vocabulary is not decoration; each of these words changes what a policy pays. This is what they mean on a New Zealand life cover contract.
| Term | What it means |
|---|---|
| Sum insured | The amount the policy pays out. Not what you pay for it, and not affected by how long you have held the policy. |
| Life assured | The person whose death or terminal illness triggers a claim. Often, but not always, the same person as the policy owner. |
| Policy owner | Whoever owns the contract and receives the payment. Ownership can sit with a trust, a business or a spouse. |
| Accelerated cover | Trauma or TPD cover attached to the life cover. A claim on it reduces the life sum insured by the amount paid. |
| Standalone cover | Trauma or TPD cover written separately, so a claim on it leaves the life cover untouched. Costs more, pays twice. |
| Stepped premium | A premium that is recalculated at each birthday, so it starts lower and rises for as long as you hold it. |
| Level premium | A premium fixed to a set age, so it starts higher and does not step up with age. Better over a long horizon. |
| Special-events increase | A right to raise the sum insured after a mortgage, a birth or a pay rise without new medical evidence. |
| Future insurability | A right to raise the sum insured on a schedule without any life event and without new medical evidence. |
| Loading | An increase applied at underwriting because of health, occupation or pastimes. It attaches to the cover, not to the person. |
| Exclusion | A named condition or activity the policy will not pay for, written into your schedule at underwriting. |
| Non-disclosure | Failing to tell the insurer something it asked about. It is the most common reason a claim is declined. |
Life cover: questions people actually ask
Short answers, written to be read on their own. Where an answer relies on a published figure, the document it came from is linked beside it.
How much life cover is enough?
Start with what has to be paid off and what has to keep being paid: the mortgage and other debt, then the years of household income your family would lose. Subtract what already exists, a bank policy, cover through work, savings. The remainder is the gap, and it is usually larger than people expect.
Should life cover be stepped or level?
Stepped premiums are recalculated at each birthday, so they start lower and climb. Level premiums are fixed to a set age, so they start higher and stay flat. Level wins if you hold the cover for a long time, stepped wins if you expect to cancel within a few years.
What is the difference between accelerated and standalone cover?
Accelerated trauma or TPD is attached to the life cover, so a claim on it reduces the life sum insured by the amount paid. Standalone is a separate contract, so a claim leaves the life cover untouched. Standalone costs more and can pay twice.
Does life insurance pay out for suicide?
Most New Zealand life policies apply an exclusion for a period after the cover starts or is increased, and pay normally after it. The exact period is set in the policy wording, so read your own schedule rather than a general rule.
What is a terminal illness advance?
It pays the life cover early once a doctor certifies you are expected to live less than a set period, 12 months at every insurer in the grid above. The payment is an advance, so whatever is drawn reduces what is paid on death.
What is a bereavement or funeral advance?
A part of the sum insured released on notification of death, before the estate is settled, so a family can pay for a funeral without waiting on probate. The amounts are published and sit between $15,000 and $25,000 on the policies compared here.
Can I increase cover later without a medical?
Yes, in two ways. A special-events increase is triggered by a mortgage, a birth, a marriage or a pay rise. A future-insurability option lets you increase on a schedule with no event at all. Both are capped, and the caps differ widely between insurers.
Can I pause my premiums if I lose my job?
Some insurers publish a suspension: AIA allows cover to be suspended for up to 12 months with no premium payable, and Fidelity Life publishes payment breaks for redundancy, going overseas or study. No claim is payable for anything that happens while the cover is suspended.
Who should own the policy?
Ownership decides who receives the money and how fast. A policy owned by the life assured pays into their estate and waits on probate; a policy owned by a spouse, a trust or a business pays directly. Ownership is worth setting deliberately, not by default.
Is a life insurance payout taxed in New Zealand?
A personal life insurance payment is not treated as income in the hands of an individual beneficiary. Business-owned and key-person policies can be treated differently depending on how premiums were claimed, so a business structure needs its own advice.
What happens if I did not disclose something?
Non-disclosure is the most common reason a claim is declined. If you realise something was missed, tell the insurer now rather than at claim time: a disclosure made while you are healthy is usually underwritten, while one made at claim time is investigated.
Does cover through my bank or employer count?
It counts, but it is rarely the whole answer. Bank mortgage cover is usually tied to the loan and ends when the loan does; employer cover ends when the job does. Both are worth counting in the gap calculation and neither is portable.
How often should life cover be reviewed?
Whenever the reason you bought it changes: a new mortgage, a baby, a separation, a large pay rise, or a business you now owe money for. Otherwise once a year is enough, mainly to check the sum insured has not been quietly outgrown.
Exclusions and things to note
The parts of a life cover contract that decide a declined claim are rarely in the brochure headline. Each of the following is quoted from the policy document or product page linked beside it, and each one is a real limit on a real policy sold in New Zealand today. Your own schedule may carry personal exclusions on top of these.
- A special-events increase must be requested within 12 months of the event, and only one increase can be made in any 12-month period.[1]
- Any loading, exclusion or special term applied to the original cover is applied to a special-events increase as well, so an increase does not reset your underwriting.[1]
- A life assured over the age of 55 is not eligible for special-events increases.[1]
- While cover is suspended no premium is payable and no claim is payable for anything that happens during the suspension.[1]
- The dependent child funeral benefit excludes pre-existing conditions.[2]
- Special conditions, exclusions and premium loadings may be applied to your policy at underwriting, and they are personal to you rather than to the product.[2]
- Converting part of the cover to a level-premium funeral benefit is available only after 10 years of cover and from age 65.[3]
- A product brochure is a summary. Where it differs from the policy document, the policy document prevails, so the schedule you are issued is the contract, not the marketing.[3]
- [1] AIA New Zealand, AIA Living Life Personal Cover Policy Wording, 10 October 2023 (1101 AL-LIFE version 5), read 8 Sep 2026.
- [2] Partners Life, Life Cover overview, Partners Life Journey Plan, PLJP_OVERVIEW_LIFE COVER_V03_1025, read 8 Sep 2026.
- [3] Asteron Life, Life Cover brochure, RP321 (09/24), read 8 Sep 2026.
News that affects this cover
Insurers · 9 September 2026
Four Of The Five Insurers You Can Buy From Directly Now Sell The Same Thing, And Call It The Same Name
If you are buying cover directly rather than through an adviser, you are increasingly choosing between five versions of one product shape rather than assembling cover from parts.
Regulation · 8 September 2026
Australia bans genetic test results in life underwriting next month. New Zealand does not.
If you are considering a predictive genetic test in New Zealand, the result can be asked for and used by a life or health insurer assessing a future application.
Insurers · 8 September 2026
One owner will hold 640,000 lives, and the adviser panel gets shorter
If you hold a Fidelity Life or Westpac-branded life policy, your cover, your premium and your policy wording are set by contract and do not change because the shares change hands.
How much life cover would this need?
A common starting point is your debts, plus the household income you would want replaced for a few years, minus the savings and cover you already have.
Anything already there gets subtracted, so the number is the gap rather than the total.
Cover to consider
,
A starting figure, not a recommendation. It does not account for tax, inflation, ACC, your KiwiSaver balance or the way your policy is structured, and it says nothing about price.
Free, and there is no obligation at any step.
What this means for you
- Cover clarity
Know exactly what you'd be covered for before you commit: what a policy pays out, what it excludes, and where ACC stops. No surprises at claim time.
- The review
Your situation is assessed properly before anything is suggested: who depends on you, what you owe, what you earn. Not just a quick price comparison.
- Your adviser
A licensed NZ adviser walks you through the options and is legally required to act in your best interests. Not a call centre. Not a salesperson.
- Free NZ willIncluded free
Take out a policy and a professionally drafted, legally binding NZ will is included free. Because protection should be complete.
- Drafted by NZ lawyers
- Free updates
- No hidden costs
- What it costs
Nothing. The check is free and the advice call is free. If you take out a policy, the adviser is paid a commission by the insurer, disclosed before any advice is given.
QuoteHub, going direct, a broker or a comparison site
The premium an insurer charges is the same whichever door you walk through, so the real difference is how much of the work is done for you and how much of the market you actually see. This is how the four routes compare, including where QuoteHub is no better than the alternatives.
| What you are comparing | QuoteHub | Going direct to an insurer | A broker or adviser | A comparison website |
|---|---|---|---|---|
| Free to use | Yes. No fee for the check, the adviser call or the written recommendation. | Yes. Insurers do not charge you for a quote. | Usually yes. Some adviser businesses do charge a fee for advice, so ask first. | Yes, to get a quote. |
| Same price as going direct | Yes. Adviser commission is built into the insurer’s standard premium; it is not added on top. | Yes, this is the benchmark the other columns are measured against. | Usually yes, on the same commission basis. | Usually yes. The FMA notes that buying online typically includes a commission as well. |
| Licensed Financial Advice Provider | Yes. Advice is provided by Craig Smith Business Services Limited, trading as Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider (FSP712931). | The insurer holds its own licence, but it can only advise on its own products. | Yes. Every adviser in New Zealand must give advice under a licensed Financial Advice Provider. | Some are licensed to give advice; others only pass your details on. Check the site’s disclosure page. |
| Panel size | 8 New Zealand insurers, named in full on our disclosure page. | One, the insurer you called. | Varies. Ask for the list of insurers the adviser can actually place cover with. | Varies, and not always shown. Ask which insurers are included before you enter anything. |
| Claims support | Yes. Your adviser lodges the claim, deals with the insurer and stays your point of contact. | You deal with the insurer’s claims team yourself. | Usually yes, claims help is a core part of what an adviser does. | Usually not. Most hand you to the insurer once the policy is in place. |
| Written summary | Yes. A written recommendation setting out what was compared and why. | You receive the policy documents, not a comparison. | Yes. A written record of advice is required where personalised advice is given. | Usually a list of quotes rather than a recommendation. |
| No obligation | Yes. Nothing is submitted to an insurer without your say-so, and you can stop at any point. | Yes. | Yes. | Yes, though your details may be shared with more than one business. Read the privacy terms. |
| Not tied to one insurer | Not tied to a single provider. A recommendation is made on your needs and the product features, across the whole panel. | The seller is the insurer. | Usually independent, but some adviser businesses are owned by a bank or an insurer. | Some are owned by an insurer, or by a business that buys and resells enquiries. |
Common questions
The stuff people actually ask.
Because your life has probably changed since you set it up. Income, mortgage, kids, debts they all affect how much cover you need. A check confirms you're still sorted or flags gaps worth fixing.
No. This is just a review. Nothing changes unless you decide to make changes. Your existing cover stays exactly as it is.
Online quotes give you a price. This gives you clarity. An adviser looks at your full situation, not just your age and smoking status, and tells you whether your cover actually works for you.
Then the adviser will tell you that. Seriously. There's no incentive to change something that doesn't need changing. Sometimes the best outcome is peace of mind.
The check is free. The advice call is free. If you end up taking out or changing a policy, the adviser is paid by the insurer. You don't pay for any of this.
A common framework is debt + income support horizon + immediate family costs. The exact amount depends on your mortgage, dependants, and household income mix.
Age, smoking status, health history, cover amount, occupation profile, and premium structure are usually the biggest cost drivers.
Yes. Comparing wording, exclusions, premium paths, and underwriting approaches can materially change long-term policy value.
You don't pay QuoteHub. The check is free and the advice call is free. If you decide to take out or change a policy, the adviser is paid a commission by the insurer. How that works is disclosed to you before any advice is given.
More about life insurance in NZ
Life insurance NZ planning should begin with outcome clarity
If you were not here tomorrow, what financial obligations must still be met and for how long? For most families, the first priorities are debt continuity, partner stability, and predictable cashflow during transition. A policy that looks cheap but fails these priorities is not a good result.
In New Zealand, life cover is often arranged once at mortgage time and then left unchanged for years. That is where risk appears quietly. Mortgage balances change, incomes rise or fall, children are born, and business obligations shift. Your policy needs periodic review so cover level and product structure still match your real life.
The strongest life insurance comparisons in NZ evaluate three things together: policy wording quality, premium sustainability over time, and claims practicality for your household scenario. Looking at any one in isolation can create expensive mistakes.
What life insurance covers in NZ
Core life cover generally pays a lump sum on death, and many products include a terminal illness benefit where criteria are met. That lump sum is usually used for mortgage reduction, debt clearance, and household stability. Cover does not replace monthly income by default forever; it provides capital that must be planned around your obligations.
Who needs life insurance
Families with dependants, households with significant debt, single-income dependencies, and business owners with personal guarantees often carry the highest downside risk from inadequate cover. Even where there are no children, debt obligations and partner dependence can justify meaningful cover.
How much cover you might need
A practical baseline starts with debt + immediate costs + income support horizon. Example one: a household with a large mortgage and two dependants usually needs debt clearance plus several years of income replacement runway. Example two: a dual-income household with lower debt may require less income replacement but still needs enough to protect partner stability and fixed obligations.
Stepped vs level premiums summary
Stepped premiums usually start lower but rise with age, while level premiums are often more stable over longer periods. The right choice depends on budget horizon and intended policy duration. If you plan to hold cover long term, premium structure decisions can materially affect affordability later.
What affects cost most
Age, smoking status, health history, occupational risk, cover amount, and product options. Underwriting outcomes differ between insurers, so multi-insurer comparison can improve either pricing or terms. Pre-existing conditions do not always prevent cover, but they may change terms through loadings or exclusions.
Term life insurance vs other cover types
Life cover is usually for capital protection after death; income protection is for monthly cashflow when you cannot work; trauma cover is a lump sum on specified diagnosis events; health cover is treatment-access focused. Many households use a combination rather than expecting one policy to solve every risk.
A useful way to avoid overengineering is sequencing
First set life cover for core obligations, then add supporting protections where gaps remain. This keeps planning practical and budget-aware while reducing underinsurance risk.
Compare policy intent, not marketing language.
Ask: what event is covered, when does payment occur, what proof is required, and how does this policy behave after 5–10 years? Those questions usually surface the real differences between options.
If your goal is clarity, use a structured review and compare relevant options before locking in a long-term premium commitment.
QuoteHub compared with the alternatives
The premium an insurer charges is the same whether you buy direct, through a broker, through a comparison site, or through QuoteHub, because adviser commission is built into the insurer’s standard price rather than added to it. What changes is how much of the market you see, whether anyone writes down why one policy was recommended over another, and who lodges the claim when it matters. QuoteHub compares 8 New Zealand insurers named in full on our disclosure page, gives you a written recommendation, and stays with you at claim time. Going direct gives you one insurer and its own claims team. A broker usually does what we do, though panel sizes differ, so ask for the list. A comparison website is usually a quote list rather than advice, and some are owned by an insurer or by a business that resells enquiries.
Related guides
- Life insurance costs in NZ
- Compare life insurance in NZ
- Life insurance quotes in NZ
- Stepped vs level premiums
- Cheap life insurance in NZ
- The life insurance companies in NZ, in order
- How term life insurance works
- Comparing funeral cover and what it costs
- What happens to your mortgage if you die
- How we compare insurers, and our sources
- How we are paid
- What you get from the review
You've read enough.
If your life insurance hasn't been reviewed in a while, this is probably worth your time.
No obligation. Reviews take 15–20 minutes. You decide what happens next.
