"I asked many questions regarding my policy, and I was answered with clarity all the time. Satisfied — Mike simplified everything for me."
Why life cover matters
Life Cover is Not About Death. It Is About the People You Leave Behind.
Most people put off thinking about life insurance because it feels uncomfortable. But life cover is not really about you — it is about making sure the people who depend on you are financially protected if you are no longer there.
Your mortgage does not stop. School fees do not stop. Groceries, utilities, and everyday family costs do not stop.
Life insurance in New Zealand gives your family a financial safety net at the moment they need it most — replacing lost income, clearing debt, and giving them time to adjust without financial pressure.
The question is not whether you need life cover. The question is how much life cover do you need — and whether what you have today is enough to protect everything you have built.
That is exactly what our free life insurance calculator is designed to help you find out.
We'll help you find the right cover.
30,000+
Kiwis helped
4.9
Star rating
100%
Free service
No pressure. Calculate at your own pace.
Why calculate
Your Life Cover Amount Should Be Based on Facts — Not Guesswork.
Most people either underestimate or overestimate how much life cover they actually need. Too little cover and your family may struggle to keep up with everyday costs. Too much and you could be paying more than you need to each month.
A proper life insurance calculator looks at what actually matters to your family — your income, mortgage, kids, debts, and future expenses. Everyone's situation is different, so getting a number that fits yours makes all the difference.
Our free life cover calculator works by asking you a few quick questions about your financial situation. It takes less than 60 seconds.
Based on your answers, one of our qualified advisers will review your details and recommend a suitable life cover amount — matched to your real needs, not a generic estimate.
Whether you are using a life insurance cost calculator for the first time or want to check if your current cover amount is still right, this is the fastest way to get a clear, personalised answer.
Answer a few questions. Get the right number.
How it works
Simple as 1, 2, 3.
No complicated forms. No pushy sales calls. Just clear comparisons.
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01
Tell us your needs
Answer a few quick questions about your life cover needs.
60 sec -
02
We calculate your cover
Your answers are reviewed by a qualified adviser to calculate the right cover amount for you.
24 hrs -
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
Recent reviews from clients who used our service
Real feedback from Kiwis who found the right life cover through our comparison service.
"Quick and easy — actually listened to what I wanted and didn't try and push anything else on to me."
"Well knowledgeable and prompt when responding to queries."
Google Reviews
4.9
Based on 212+ verified reviews
About us
Your Numbers. Your Cover. Your Decision.
Compare Life Cover is here to help you understand exactly how much life insurance you need — based on your real financial situation, not a generic estimate.
Life insurance in New Zealand is not easy to figure out on your own. How much cover is enough? Are you currently underinsured without realising it? Most people don't know the answers to these questions — and that uncertainty is exactly what our free life cover calculator is designed to solve.
Answer a few quick questions about your income, mortgage, dependents, and debts. Our life insurance calculator does the rest — giving you a clear, personalised cover estimate in under 60 seconds.
No complicated forms. No pressure. Just a straightforward way to find out if your family is properly protected.
Frequently Asked Questions
Everything you need to know about our life insurance calculator
Answer a few quick questions about your age, gender, income, expected coverage amount, medical conditions, and smoking status. Our life insurance calculator uses your answers to match you with the most suitable life cover options available — the whole process takes under 60 seconds.
The right amount depends on your personal situation — your income, outstanding mortgage, number of dependents, and any debts you want covered. There is no one-size-fits-all number. Our free life cover calculator makes it simple — just answer a few quick questions to help identify the right cover amount for your situation.
Yes. Our life insurance calculator is completely free to use. There is no obligation to proceed, and no pressure to purchase anything.
Just the basics — your age, income, gender, number of dependents, smoking status, and any medical condition. The whole process takes less than 60 seconds.
Once you submit your answers, a qualified adviser will review your details and get in touch to discuss the most suitable life cover options for your situation — no obligation, no pressure.
Yes. If you already have life insurance in New Zealand, our life insurance calculator can help you check whether your current cover amount still matches your financial situation — especially useful after major life changes like buying a home, having children, or changing jobs.
Yes. Any information you provide is handled in accordance with the New Zealand Privacy Act 2020. Your details are used solely to calculate your cover estimate and will not be shared without your consent.
Ready to protect your family's future?
It only takes 60 seconds. 100% free, no obligation.
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What Happens Next
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