Yes
Simple & affordable
Life & Living Insurance
Protect the things that matter most with Life & Living Insurance. Choose from simple, cost-effective cover options to reduce the financial pressure on you and your loved ones if you were to become seriously ill, be diagnosed with a terminal illness or pass away.
Why Chubb Life & Living
Multi-benefit discount
If you take out Life plus at least one other cover and meet the minimum sums insured, you'll qualify for our Multi-benefit discount. This provides you with an ongoing discount on your policy premiums. If you take out Life and one other cover, you will recieve a 10% discount. Take out Life and two other covers, you will recieve a 12.5% discount.
15% Lifetime Reward
Until 31 March 2025, we're offering a 15% Lifetime Reward to customers who at the time of taking out the cover have a healthy BMI measurement of between 18.5 and 24.99 and are non-smokers*.
* A non-smoker is defined as someone who hasn’t smoked tobacco or any substances in the last 12 months, or used any nicotine replacement including e-cigarettes, vaping, nicotine gum, chewing tobacco or patches in the last 12 months.
Take your pick
Take your pick
Your cover options
With Life & Living Insurance from Chubb Life, you can decide what is best for you and your family. Choose from Life Cover, Critical Illness Cover, or Expenses Cover. With our handy online quote tool, you can mix and match products and cover levels, and work towards a premium that fits your needs and your budget.
FAQs
Common questions about Life & Living Insurance
It's important to review your insurance regularly to make sure you have the right amount of cover you need.
Any health, occupational or financial changes that occur after your policy starts may affect the terms of your cover if you change it - we'll make sure you know about any changes.
Yes. You can reduce or increase your requested insurance cover at any time during the assessment process. If you wish to increase cover, be aware that the process could take longer as additional information may be required.
Premiums are calculated by assessing a range of factors that relate to the person’s life expectancy, and therefore their likelihood of claiming in the near future. Life insurance companies usually have a team of actuaries, who are responsible for the measurement and management of this risk and uncertainty.
When you apply for a life insurance policy, you might be asked questions about:
- your biological sex
- your age
- your medical history
- your family medical history
- whether or not you’re a smoker
Your answers to these questions will determine the premium you pay for the sum you want to be insured for.
If you need insurance to cover the bills or your mortgage or rent payments if you became seriously ill or injured, you could really benefit from talking to an Adviser.
Contact us on 0800 55 88 60 or get in touch online and a qualified Adviser will get in touch to talk through a tailored solution for you.
We understand life can sometimes present challenges that make it hard to keep up with day-to-day expenses. If you’re experiencing financial hardship or a challenging life situation, our team are available to provide assistance and support.
Contact
Freephone 0800 270 714
Overseas +64 4 915 8753
Complete the online form
Download
Download
Life & Living Insurance policy wording
For everything you need to know about Life & Living Insurance, download a copy of the policy document and relevant policy wording.
To ensure you understand the full cover and potential exclusions, please read these documents together.
Get covered
Get covered
More than just life insurance
The right life insurance can bring you peace of mind from knowing that you've protected what matters most.
Further reading
Find out about Life Cover
Find out about Critical Illness Cover
Find out about buying life insurance online
Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit www.ambest.com/ratings/guide.pdf