Here for the good of your family

What's included

• ✓Advanced funeral payout — a portion of your cover paid early while we process the claim
• ✓Early payout for terminal illness, so you can use it for treatment or family
• ✓Cover designed around your situation, not a one-size-fits-all policy

What's not included

• ×Some existing medical conditions may not be covered (we'll talk you through it at quote)
• ×Death from war, terrorism or riot

Is it for you?

If anyone depends on your income — partner, children, ageing parents, a business — life insurance is the simplest way to make sure they're financially protected if you're not there.

What's included

• ✓Flexible cover amounts — choose the lump sum that suits your budget
• ✓Spend the payment however you need: mortgage, treatment, time off work
• ✓Children from 4 months to their 19th birthday can be added to the policy

What's not included

• ×Pre-existing conditions may be excluded depending on history
• ×Specific conditions listed in the policy wording

Is it for you?

If you'd struggle to keep paying the mortgage, groceries and treatment costs after a serious diagnosis, trauma cover is often the most valuable claim a family ever makes.

What's included

• ✓Unlimited surgical cover (policy dependent)
• ✓Up to $300,000 towards cancer care, including non-pharmac drugs
• ✓Your choice of medical provider and specialist
• ✓Hospital-related specialist visits (conditions apply)
• ✓Flexible excess options to keep premiums affordable

What's not included

• ×Pre-existing conditions may be excluded
• ×New cover is not available for those aged 60 or over

Is it for you?

If you want certainty over how quickly you're seen, who you're treated by, and access to the latest cancer and non-pharmac treatments — health insurance pays for itself the moment you need it.

What's included

• ✓Available to NZ residents aged 18–59 working 25+ hours per week
• ✓Spend the monthly payment however you need — rent, bills, groceries, treatment
• ✓Choose your payment term (6, 12 or 24 months) — shorter term = lower premium
• ✓Maximum cover up to 75% of your income

What's not included

• ×Claims related to pre-existing conditions may be excluded
• ×ACC-covered accidental injury is generally handled by ACC first

Is it for you?

If you're self-employed or your family depends on your income to meet monthly commitments, income protection is the cover that keeps the lights on while you recover.

What's included

• ✓Key Person cover replaces lost revenue and funds a replacement hire
• ✓Shareholder protection funds a clean buyout if a partner dies or is disabled
• ✓Group benefits attract and retain great staff

What's not included

• ×Pre-existing health conditions may be excluded for individual lives
• ×Standard exclusions apply per insurer wording

Is it for you?

If your business would suffer financially without a specific person, or if you have a shareholders' agreement that needs funding, business insurance turns a contractual promise into actual cash on the day it's needed.

What's included

• ✓Direct cover for your mortgage repayments
• ✓Pairs with life and trauma to fully protect the home
• ✓Premiums tailored to your loan size and term

What's not included

• ×Pre-existing conditions may be excluded
• ×Standard policy exclusions apply

Is it for you?

If a mortgage is your biggest monthly bill and losing your income would put the house at risk, mortgage protection is the most targeted cover you can take.