Protection for the people that matter most
Life insurance isn’t just about preparing for the unexpected, it’s about protecting the people you love and securing the future you’re working hard to build. Whether you're starting a family, buying a home, or planning for retirement, life insurance can play a key role in providing a financial safety net.
Life Cover
Provides a one-off tax-free lump sum payment that’s made if you die or are terminally ill and death is likely to occur within 12 months from the date of diagnosis.
Trauma Cover
This is an optional benefit that provides a one-off tax-free lump sum payment in the event of one of nine trauma conditions.
Why consider life insurance?
Life is unpredictable. Accidents and illness can happen without warning. Life insurance doesn’t take away the uncertainty, but it gives you the confidence that your loved ones will be financially okay, should the unexpected happen.
What can life insurance help cover?
If your family depends on your income, life insurance can help replace it, covering day-to-day expenses, bills, and essential living costs, for a time. It provides a financial safety net, easing the financial burden on your loved ones while they adjust.
Life insurance can help cover:
- daily expenses like groceries, rent, and utility bills
- home loan repayments or other outstanding debts
- childcare and education costs
- funeral and final medical expenses
Premiums
Your premium will be lower if you don’t smoke or vape. We also offer premium discounts when you’re policy’s cover amount is over $200,000. Discounts do not apply to trauma cover.
Get a quote
Call us on 0800 554 554 for a personalised quote.
Understanding your insurance premiums
What factors affects your Life Plus premiums?
Your Life Plus premiums are based on several factors, including:
- age and gender
- medical history and smoking status
- occupation and lifestyle
- the level of Life and Trauma cover you choose.
Your cover amount will depend on your financial situation, family needs, and living arrangements. To help you determine your level of protection, we’ll ask you to use a cover calculator to consider your needs and suggest a suitable level of cover.
As part of the process, you’ll also answer a few health-related questions. This helps us assess your application and determine whether we can offer you cover.
Ready to take the next step?
Life insurance isn’t one-size-fits-all. We’re here to help you find cover that fits your goals, your lifestyle, and your budget.
Talk to us today on 0800 554 554 for a free personalised quote - because protecting your future starts now.
If you are not already a customer and are interested in insurance, you can start getting with the join process online here.
Home insurance
Your home is likely to be your biggest asset, so it’s important to make sure you are covered for sudden or accidental damage to your home so you and your family can get back on your feet.
Contents insurance
The things inside your house are what makes it a home. Cover for your personal belongings, so you can recover in the event of a natural disaster, accident or burglary.
Landlord's insurance
Cover for your rental property with insurance that’s tailored specifically to landlords.
Car insurance
Get insured before you hit the road. Car insurance designed to provide cover in the event of accidental damage, fire or theft.
Loan Instalment Care
Financial protection for your loans Loan Instalment Care can cover some or all of your repayments if you're unable to work due to illness or injury, leaving you to focus on getting better.
How to make a claim
The first step is to call us on 0800 554 554. Our team are available to assist you Monday to Friday 8am - 7pm, weekends 9am - 4pm.
To get your claim underway we will need the insurance policy number. This can be found on your policy documents or in the mobile app or internet banking under Insurances in the main Menu. We’ll let you know what else is needed when you speak with us.
Our team are there to support you every step of the way and aim to make the claims process as simple as possible. Once we have all relevant information we will work to process your claim as quickly as possible.
Any amount payable will be paid to the policy owner(s) or to your estate.