Compare Life Insurance NZ | Work It Out
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Compare
Life Insurance
New Zealand

Compare life insurance policies from NZ's top insurers.

100% secure & free — no obligation

Helped over 30,000 Kiwis since 2015
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4.9
212 REVIEWS
Protect what matters

Your family's future is your most valuable asset.

What happens to your loved ones if the unexpected occurs? Life insurance provides financial security and peace of mind when your family needs it most.

We'll help you find the right cover.

30,000+
Kiwis helped
4.9
Star rating
100%
Free service

No pressure. Compare at your own pace.

How it works

Simple as 1, 2, 3.

No complicated forms. No pushy sales calls. Just clear comparisons.

  1. 01

    Tell us your needs

    Answer a few quick questions about your life cover needs.

    2 min
  2. 02

    We compare plans

    We search NZ's top life insurers to find plans that match your needs.

    24 hrs
  3. 03

    You choose, no pressure

    Review your options and decide when you're ready. No obligation.

    Your pace

Take your time. We're here when you're ready.

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What Kiwis say about us

About us

About Work It Out

workitout.co.nz is a New Zealand comparison platform built to help Kiwis find and compare life insurance from multiple New Zealand insurers in one place — quickly, easily, and with confidence.

We're not tied to one insurer. Our goal is to help you understand your life insurance options clearly — cover amounts, term vs whole-of-life, smoker vs non-smoker rates, exclusions — so you can make a more informed decision before you commit.

  • Compare life insurance plans across New Zealand providers
  • Present policies clearly — no jargon, no pressure
  • Help you understand cover amounts, beneficiary structures, and exclusions
  • Connect you with the right insurer for your life insurance needs
Friendly New Zealand life insurance adviser at work

Frequently Asked Questions

Everything you need to know about life insurance

Life insurance pays out a lump sum to your beneficiaries if you pass away during the policy term. Some policies also include trauma cover (for critical illness) and income protection (if you can't work due to illness or injury).
The amount depends on your circumstances - consider your mortgage, debts, income replacement needs, children's education, and funeral costs. A common approach is 10-12x your annual income, but we can help you calculate the right amount.
Pre-existing conditions may affect your premiums or result in exclusions. However, each insurer assesses risk differently - some may offer better terms than others for your specific situation. We compare across all insurers to find the best option.
Yes, smokers can get life insurance, though premiums will be higher. If you quit smoking, many insurers will offer reduced rates after 12 months of being smoke-free.
Trauma cover (also called critical illness cover) pays a lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke. It can help cover medical costs and living expenses while you recover.
Income protection insurance replaces a portion of your income (typically 75%) if you can't work due to illness or injury. It provides ongoing monthly payments until you can return to work or reach the benefit period end.
Yes, you can take out life insurance on a family member, partner, or business partner, provided you have an "insurable interest" - meaning you would suffer financially from their death. The person being insured must consent.

Ready to protect your family's future?

It only takes 2 minutes. 100% free, no obligation.