Compare Life Insurance NZ | Work It Out

Compare
Life Insurance
Policies

Compare life insurance policies from NZ's top insurers.

Helped over 30,000 Kiwis since 2015
Google Rating
4.9
212 REVIEWS

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Do you currently have life insurance?

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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.

Reviews

What Kiwi families say about us

Hundreds of New Zealand families have compared and saved with us. Here's what they say.

Google Rating
4.9
212 REVIEWS
Why life cover

Cover that fits your family — and protects what matters.

You never know when life will put you or your family in a situation that requires the need to have comprehensive life cover available. Whether it's critical illness or injury, neither of them makes life easy. In fact, these can be the most stressful and overwhelming experiences for your family when you lose a loved one. The last thing you want to have happened is that your family struggles to make ends meet or recover after a tragic loss of life.

Life Insurance provides your family with a lump sum payment that coincides with your trauma coverage. How does this work? For instance, if you get a $500k life cover policy, there may be a $200k trauma cover policy within that coverage. So if you were to get cancer, your family would be paid the $200k, and then in the event of your untimely death, the remaining $300k is paid out. Life insurance helps take care of any financial burden that impacts your family, allowing them to focus on building their life ahead.

With life insurance, you're able to use the funds to cover whatever expenses you deem necessary. There are no requirements on what the money paid out is allocated for. Compare now and get started.

Family enjoying time together
$500k
Example life cover
$200k
Trauma carve-out
$300k
Life payout on death
Why it matters

Do you need life cover?

Life has a funny way of reminding us that it can change our circumstances in an instant. It's better to be prepared for the worst and not to happen than for it to happen to you or your family and not be prepared. Death in your family can have a massive financial impact on your family and their future.

Do you want to know that they are provided for after you're gone and unable to? With life cover from Compare, we can ensure that they have enough money to support your loved ones in the event of your untimely death.

Promises

Backed by a guarantee. Supported by real advisers.

Happy family — price guaranteed

Price Guarantee

At Compare, we're confident that we will get you the best price on your life cover insurance that we stand by our promise. Even if you have an existing policy, we can show you how we can save you money, and we will guarantee a better price for comparable cover. If we can't get you a better price, we'll give you a $200 Prezi card.

Friendly advice team

Advice Centre

Knowing how to navigate the world of life cover insurance can be stressful and overwhelming. With Compare, we provide you with the advice and guidance you need to have the answers you've been looking for. Book your free consultation via phone or Skype today.

What you can do with it

Funds for whatever your family needs.

Do you have questions? Need further guidance on where to begin to find the best life cover for your family? Be sure to book a 30-minute advice session with one of our expert and experienced life cover advisers today. We will walk you through the entire process, the options available to you, including accelerated cover options, the pros, and cons of the different life covers, and even guarantee the best price based on your situation.

  • Paying for funeral costs — this can be an overwhelming amount of money for any family. Still, with your life cover insurance, they're able to give you the send-off you and they both deserve without worrying about how they're going to pay for it.
  • Pay off the mortgage — life cover can help ensure your family has a roof over their heads for years to come.
  • Provide income during mourning — the grieving process is different for everyone, and having life cover to keep your family covered during this time can help give you peace of mind.
  • Provide a nest egg for your kids — opening up the future for your kids with life cover can make a lasting impact in their lives.

Free, takes 2 minutes — no obligation.

About us

Independent advice. Real people.

Compare Life Insurance is here to provide you with the expert advice and experience to choose the right life cover for you and your family.

Life cover is not easy to navigate and understand the right options that make the most sense for you. What is covered under one provider's policy may not be covered under another. And you may not even realise it until it's too late. When you Compare, our site is designed to guide you through every step of the way and point out the distinct differences between every policy you're considering. We then offer a free advice call from one of the online advisers. These advisers are all qualified to give advice on insurance products including Life Insurance.

Friendly NZ 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.