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Life & Living Insurance

Life Cover

The passing of a loved one can be a stressful time. Life Cover helps your family with any financial obligations and let's them focus on what's most important.
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Why choose Life Cover?

Life Cover provides you and your loved ones peace of mind that if the worst happens, they’ll be looked after. You can choose a cover level to suit your needs of up to $1.5 million which could help cover your mortgage, other outstanding debt, funeral costs and more. 

Watch our short video to hear how Life Insurance can support your loved ones in the unfortunate event that you pass away.

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Features of Life Cover

  • As your life changes, your cover can be tailored over time to meet your needs. 
  • You can take out cover up to $1.5 million.
  • If the life assured dies, to help with the initial expenses such as the funeral, we’ll make an immediate early payment of up to $25,000 of the Life Cover sum insured upon notification of the death.
  • Your cover will be adjusted each year to keep up with inflation, unless you choose to decline this.
  • You can take out Life Cover at any age from 18 to 70 years old.
  • If you decide that this insurance isn’t right for you within 30 days of your policy starting, we’ll refund any premiums paid and cancel your policy.
Understanding your cover
Understanding your cover

What's not covered?

We don't cover death by suicide or intentional self-injury, within 13 months of getting covered. In some cases we can't cover certain pre-existing medical conditions.

See the policy wording for more information.

What's a life event?

With the Life Events Benefit, you can increase the Life Cover sum insured when certain events happen in a life assured’s life. 
 

If the life assured experiences a certain life event, you can apply to increase the Life Cover sum insured without assessment of their health.
 

Your premiums will increase from the date we’ve increased the sum insured.
 

We cover certain life events 

You can increase the Life Cover sum insured for a life assured if they experience a significant event in their life such as, getting married or entering a civil union, having a child, buying a house or property investment. 

You can increase the sum insured for each event. For a full list of eligible events, limits and T&C's, see policy wording

Key benefits

Life Cover Benefit

If the life insured dies, we’ll pay the full Life Cover benefit.

Terminal Illness Benefit

An early payout if you're diagnosed with a terminal illness, to use for treatments or taking care of your family.

Life Events Benefit

If certain events occur in the life of the life assured, you can increase your cover without further assessment of their health.

Bereavement Support Benefit

If the life insured dies, we'll pay a portion of the cover out early. This can help cover funeral costs or be put towards other expenses.

Financial and Legal Advice Benefit

We can assist with paying for financial or legal advice you may need for help with the money from a claim payment.

Get covered
Get covered

Protect what matters most


Having right life insurance in place can give you peace of mind from knowing you and your loved ones are protected.
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Further reading

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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