Insurance tailored to your needs

We offer a wide range of insurance options, see how we can help below.

We offer two types of life insurance

These are Permanent Life Insurance and Term Life Insurance

The specifics of your life: your age, income, and other factors will help determine which type of and how much life insurance is appropriate for you.

Choosing the right insurance policy

Funds for your funeral and final expenses will always be needed. If the loss of your income would negatively impact those who depend on you, consider adding a term life policy to a permanent life policy.

Term life insurance can help your family if you die during your peak earnings and asset accumulation years.

Permanent vs Term Life Insurance?

View a popup with a detailed comparison of permanent and term life insurance below.

Permanent and Term Life Insurance Explained

Permanent Life Insurance	Term Life Insurance
Provides you with the knowledge you will have permanent coverage for the entire existence of the policy and the benefit amount upon your death will be paid in full to your beneficiary	Provides you with knowledge you will have term coverage to cover the needs of a temporary nature, such as pay off a mortgage or to protect your income during your working years
Provides coverage up to age 120 years	Provides coverage for a limited period of time
Premiums never increase during ownership of your Permanent Life policy	After that period, policyholders typically pay increased premiums to continue coverage
Provides a Funeral Benefit through our Freedom of Choice Certificate. Where a beneficiary can assign a specified amount to be paid directly to the chosen Funeral services company	Term life insurance policies are ideal for receiving the best coverage for a set period of time.

View comparison

Additional benefits

Learn more about additional benefits offered on our life insurance policies below.

Permanent and Term Life Insurance policies receive these additional benefits...

Strike Waiver: A Waiver of Premiums while the insured is on authorised strike and is prevented from engaging in their usual occupation. One-month premium is waived for each month of strike. If strike lasts less than a month, one-month premium will be waived. Maximum waiver is 12 months.

Redundancy Waiver: Provides a Waiver of Premiums if the insured is made redundant from their occupation they have held consecutively for the last 12 months. A qualified redundancy is termination of employment due to a reduction in force for economic reason. Maximum waiver is 3 months.

Permanent and Term Life Insurance policies can receive this optional benefit...

Terminal Illness Rider: This rider can be added to a life insurance policy at no cost to the insured. The Accelerated Benefit pays 50% of the coverage face amount when the insured is diagnosed with a terminal illness and has a life expectancy of less than 12 months.

The policy premiums remain the same after payment of the Accelerated Benefit to the insured and the beneficiary receives the remainder of the policy proceeds upon death of the insured.

New Zealand's trusted provider of Life Insurance

Our advisors help individuals and families from all walks of life with all matters insurance. We work extensively with New Zealand unions and organisations too, providing their members with additional benefits at no cost.