Protect Your Family's Future
Life Insurance
Provides a lump sum payment if you pass away or are diagnosed with a terminal illness. Ensures your family can maintain their lifestyle, cover the mortgage, and fund education.
Why Life Insurance Matters in New Zealand
Life insurance is the foundation of any personal protection plan. It provides a lump sum payment to your family or dependents if you die or are diagnosed with a terminal illness — giving them the financial security to continue without your income. In New Zealand, life insurance isn't compulsory, but for anyone with dependents, a mortgage, or business obligations, it's essential. Without it, your family may face selling the family home, withdrawing children from school, or dramatically reducing their standard of living. We help NZ families determine the right level of cover based on their actual financial obligations — not generic calculators.
What We Cover
Our life insurance advice covers the full range of death and terminal illness benefits available in the NZ market.
Cover Types
Who Is This For?
Why Exclusive Insurance Services?
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Get specialist advice tailored to your situation. No obligation, no pressure.
What Insurers Typically Need
Information an insurer may require
Underwriters generally ask for the following when quoting or renewing this class of risk. Being ready with accurate information usually improves outcomes on price and wording.
Age, gender, smoking status and occupation
Personal medical history and any current health conditions or medications
Family medical history (particularly cardiovascular, cancer, mental health)
Height, weight and recent screening / test results
Existing life, trauma, income-protection and health cover in place
Sum insured aligned to mortgage, income replacement and dependents' needs
When Something Happens
Claims considerations
We help manage the claims process from notification through to settlement, coordinating with you, the insurer and other parties involved and advocating for your interests throughout. Things that commonly affect a claim in this area:
Life cover is generally underwritten at application; full and accurate disclosure at that stage protects the payout at claim time.
Terminal-illness benefits typically require a life-expectancy certification (usually 12 months); documentation from the treating specialist is central.
Nominated beneficiaries and any trust ownership determine how proceeds are paid — review these when circumstances change.
Cover for children, family income benefit and mortgage protection sit alongside the main sum insured; ensure the beneficiary/ownership structure is consistent.
Frequently Asked Questions
How much life insurance do I need?
The right amount depends on your mortgage, income, dependents, and debts. As a guide, we calculate the lump sum needed to clear your mortgage, replace your income for a defined period, and fund education costs. We use a detailed needs analysis — not a rule of thumb.
Is life insurance tax-free in NZ?
Yes. Life insurance proceeds paid on death are not subject to income tax in New Zealand. The full lump sum goes to your nominated beneficiaries tax-free.
Can I get life insurance if I have health issues?
Yes, in most cases. Insurers assess risk individually and may offer cover with exclusions, loadings, or waiting periods depending on your condition. We work across multiple insurers to find a suitable option for your health profile.
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About this page
Reviewed by Adi Sehgal
Verified adviserDirector & Principal Adviser
This page is general information about the class of cover. Actual cover, terms, premiums, limits, exclusions and eligibility vary by insurer, policy wording, underwriting decision and individual client circumstances. Nothing on this page constitutes personalised financial advice.