Life Insurance
cover that works for you
• Be there for your family, no matter what happens
• Friendly, independent advisers (real humans, no hard sell)
• Quotes tailored to your life, budget and needs
Our Providers
Insurance without the hassle
The coverage you need, for the life you have now. Your life insurance protection should adapt with you, not get left behind. If you haven't reviewed your policy lately you could benefit from an update.
We compare life insurance providers across the country, sourcing multiple quotes that leave you covered and may help you save.
Want support?
Many advisers promise the dream, then are never heard from again.
If you want support through the process, and help with making the right decision, whether that's changing policies or just staying as is we can help.
We'll organise a free no-obligation coverage review and present several applicable options based on your situation, all you need to do is click get a quote, and fill out the 30 second form.
New to Life Insurance?
Our experienced advisers can help ensure your first Life Insurance policy covers your need, without any additional or surplus costs.
It's a big step to take in your life and we are here to help you navigate it for the first time.
Do it once, do it right.
How it works
1. Tell Us What Matters
Answer a few quick questions about what kind of cover you’re after, whether it’s health, life, income protection, or all of the above.
2. Receive Quotes and Advice
We’ll provide tailored quotes from trusted insurers, along with clear guidance to help you understand your options and what each policy offers.
3. Make a Decision
With the right information and expert support, you’ll be equipped to choose the cover that best fits your needs, both now and in the future.
Where Protection Meets Peace of Mind
Personalised quotes, real guidance.
We’ll walk you through your best-fit options and make sure you feel confident in your cover.
Trusted by NZ Families
“I honestly didn’t think I needed to check anything. But this helped me spot a big gap in my cover — and I sorted it in a few days. Super simple, no pushy calls.”
JOSH T.
Builder, Tauranga
“I thought my work cover was enough, turns out it barely covered anything outside of an accident. My Adviser made it super easy to check and fix that. Genuinely helpful.”
RACHEL M.
Young professional, Wellington
“I’d put off thinking about insurance for years. This tool made it easy to get clear, and now I know my kids will be okay if anything happens.”
MEGAN L.
Solo parent, Christchurch
About us
At Insurance New Zealand, we connect everyday Kiwis with experienced insurance advisers who offer genuine, personalised support.
Whether you’re looking for life, income protection, or other types of cover, we take the time to understand your needs and walk you through the best options, so you can make confident decisions without the confusion.
Life Insurance FAQs
I already have cover, can you help me?
Perfect, we can help review your current coverage and whether this makes sense for you current situation. You may be able to get better deals elsewhere, but you may also be in the right spot for you. Either way, we'll look to spot and gaps, overlaps, or outdated policies. Many people are unknowingly underinsured or paying too much.
Can I compare quotes with this tool?
Not directly. We help you understand your current situation and what cover might be right by connecting you with trusted advisers who can take you through a range of quotes once they understand what's best for you.
How much does Life Insurance cost?
Premiums vary based on age, health, cover amount, and lifestyle factors. We'll work out what your premiums would be across a variety of providers after a quick chat.
How much Life Insurance do I need?
It depends on your income, debts, dependents, and future financial goals. If you have a large mortgage, multiple dependants, and are the sole income earner you may want higher cover vs. someone with no or little debt and dependants.
What can the payout be used for?
It can cover funeral costs, mortgage payments, debts, or provide income to support for your family.
Can I get Life Insurance if I have health issues?
Yes, though premiums may be higher and exclusions may apply, depending on the condition.
Honest quotes. Advice you can trust.
We’re here to make insurance straightforward, real conversations, plain-English guidance, and recommendations designed around what matters most to you and your family.
Get personalised advice from someone who understands your goals and helps you choose the right cover, without pressure or sales tactics.
Insurance New Zealand is a free insurance check tool that helps Kiwis understand their cover and make informed decisions.
We connect you with trusted, independent advisers only if you choose to be contacted, no pressure, no spam, ever.
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