Momentum Life

Sells guaranteed-acceptance and phone-underwritten cover, with no medical for some products. Available direct and through advisers.

Momentum Life at a glance

Key facts about Momentum Life
Fact	What the register holds
Licensed entity	Momentum Life Limited (FSP472286)
Owner	DCG Invest Limited 100% (closed Jul 2025; prior owner Blue Inc Group Pty Ltd Australia)
What they write	Life cover, Funeral cover
How you can buy	Adviser or direct
Financial strength	B (Fair) (A.M. Best) (source, read 14 Aug 2026)
Rating as at	11 Feb 2026
On the QuoteHub panel	Yes, we can place cover with them
Complaints	Financial Dispute Resolution Service, free for consumers

What Momentum Life writes

Momentum Life products and what each one pays
Cover	What it pays
Life cover	A lump sum to the people you name, paid on death or a terminal diagnosis.
Funeral cover	A small lump sum intended to meet funeral costs, often guaranteed acceptance.

What it costs

Momentum Life life cover, male, non-smoker, by age and cover amount
Age	$250,000	$500,000	$1,000,000
25	$52.38	—†	—†
30	$52.38	—†	—†
35	$53.73	—†	—†
40	$64.08	—†	—†
45	$84.82	—†	—†
50	$109.88	—†	—†
55	$170.73	—†	—†
60	$301.89	—†	—†
65	$538.64	—†	—†

† Momentum Life prices Life cover at $250,000 only; see the note above.

The QuoteHub Premium Index, September 2026. Indicative monthly premium, sourced from insurers' published rate cards, as at 8 September 2026. Stepped, occupation class 1, standard rates, no loadings or exclusions. Your own premium depends on underwriting. Full method: methodology, Quotemonster (QPR).

How Momentum Life compares on financial strength

Financial strength is the one comparable published fact about an insurer. Every grade below is the insurer's own disclosure for the named licensed entity, linked and dated. A rating belongs to that entity, not to a brand or a product name.

Financial strength ratings for the New Zealand insurers QuoteHub compares
Insurer	Licensed entity	Financial strength	Rating as at
AIA New Zealand	AIA New Zealand Limited	AA (Fitch, source, read 14 Aug 2026)	Date not published
Asteron Life	Asteron Life Limited	A+ (Fitch, source, read 14 Aug 2026)	Date not published
Chubb Life NZ	Chubb Life Insurance New Zealand Limited	A (Excellent) (A.M. Best, source, read 14 Aug 2026)	Date not published
Fidelity Life	Fidelity Life Assurance Company Limited	A- (A.M. Best, source, read 14 Aug 2026)	Date not published
Momentum Life	Momentum Life Limited (FSP472286)	B (Fair) (A.M. Best, source, read 14 Aug 2026)	11 Feb 2026
Partners Life	Partners Life Limited	A (Excellent) (A.M. Best, source, read 14 Aug 2026)	5 Feb 2026

What Momentum Life publishes

Momentum Life does not publish a policy wording we can link from here. Ask for the wording before you apply: a brochure is not the contract.

Momentum Life plans

Momentum Life plans covered on this site
Plan	What it is
Momentum Quick Life	Phone-underwritten life cover sold direct, with no adviser in the process.

Questions about Momentum Life

Who is Momentum Life?

Sells guaranteed-acceptance and phone-underwritten cover, with no medical for some products. Available direct and through advisers. The licensed entity behind the policies is Momentum Life Limited (FSP472286).

Who owns Momentum Life?

DCG Invest Limited 100% (closed Jul 2025; prior owner Blue Inc Group Pty Ltd Australia). Ownership matters because it decides who carries the risk behind a claim, not how a claim is assessed.

Is Momentum Life financially strong?

Momentum Life Limited (FSP472286) holds a B (Fair) rating from A.M. Best, read from the insurer's own disclosure on 14 Aug 2026. A rating is an independent view of the ability to pay claims. It says nothing about what a policy covers or what it costs.

Can I buy Momentum Life cover without an adviser?

Both routes exist. You can go direct, or use a licensed adviser who can put Momentum Life next to the other insurers on the same set of details.

What does Momentum Life cover?

Life cover, Funeral cover. What each of those pays, and what it excludes, is set by the policy wording rather than by the marketing page, which is why the documents are listed on this page with the date we read them.

Where can I read Momentum Life's policy wording?

Momentum Life does not publish a policy wording we can link. Ask for it before you apply: the wording is the contract.

Is Momentum Life the cheapest?

No insurer is cheapest for everyone. Price depends on your age, your health and an underwriting decision that has not happened yet, so a comparison that leads with price compares the wrong thing. The published limits and definitions are what can be compared, and they are on this page.

How does Momentum Life compare with the other insurers?

The financial strength table on this page puts every insurer we compare side by side, with the agency, the grade and the date. The benefit limits sit on the comparison page, and a licensed adviser can run your own details across the panel.

Does QuoteHub work with Momentum Life?

Yes. Momentum Life is on the QuoteHub panel, so a licensed adviser can quote them, compare them against the rest of the panel and arrange the cover. The full panel is published on the disclosure page rather than implied.

What should I check before applying to Momentum Life?

The stand-down period, the exclusions that apply to your own history, whether the premium is stepped or level, and what happens at renewal. All four are in the wording and none of them is in a price.

What plans does Momentum Life offer?

Momentum Quick Life. Each has its own page here setting out what it pays and what it does not.

Does Momentum Life cover pre-existing conditions?

Not automatically. An existing condition is either excluded, loaded or accepted on its own terms, and that decision is made at underwriting on your own history. What matters is what you disclose, because non-disclosure is the most common reason a claim is declined.

Are Momentum Life premiums stepped or level?

Both structures exist in the New Zealand market. Stepped rises with your age each year and costs less at the start; level holds a rate to a chosen age and costs more early and less later. Which is cheaper over the life of the policy depends on how long you keep it, not on the insurer.

Can I move to Momentum Life from another insurer?

Yes, but moving means new underwriting, so anything that has happened to your health since you took the old policy is assessed again. Never cancel the old cover until the new policy is issued and you have read what it excludes.

Does Momentum Life pay claims quickly?

Claims-paid percentages and payment times are published by some New Zealand insurers and not by others, on different bases, which is why we publish the figure only where the insurer publishes it with a period. Where we hold one it appears on the review page for that insurer.

Is Momentum Life regulated in New Zealand?

Yes. A licensed insurer is regulated by the Reserve Bank of New Zealand, and the advice about a policy is regulated separately by the Financial Markets Authority. Those are two different licences and both matter.

What happens to my Momentum Life policy if the company is sold?

A policy is a contract with the licensed entity, so it continues on its terms if ownership changes. New Zealand has seen several life books change hands, and the practical effect for existing policyholders is usually the servicing brand rather than the cover.

How much does Momentum Life cover cost?

We do not publish a price for an insurer on this page. A premium depends on age, health, smoking status, occupation, the cover amount and an underwriting decision, so a single figure would be wrong for almost everyone reading it.

Where can I get advice about Momentum Life?

A licensed financial adviser can compare it against the rest of the panel on your own details and tell you where it suits you and where it does not. QuoteHub is a trading name of a licensed Financial Advice Provider and the review is free.

How do I make a complaint about Momentum Life?

Raise it with the insurer first. If it is not resolved you can take it to the insurer's dispute resolution scheme at no cost. QuoteHub's own scheme is the Financial Dispute Resolution Service.