Compare Insurance Quotes - Work It Out NZ

Compare Insurance Quotes in Minutes

Find the right cover at the right price. Compare plans from leading NZ providers with expert guidance.

  • Compare top NZ insurers
  • No obligation, completely free
  • Takes about 3-4 minutes

What type of insurance do you need?

Select the main type of cover you're looking for.

Life Insurance
Health Insurance
Income Protection
Trauma Insurance
Mortgage Protection

Do you have an existing policy?

Let us know if you're currently covered.

Yes
No

Who are you looking to cover?

Select who needs coverage.

Just Me
Couple
Family

Have you smoked in the past 12 months?

This helps us find the best rates for you.

Yes
No

What is your gender?

This affects premium calculations.

Male
Female

How old are you?

Enter your current age.

Enter age between 18-85

Continue

Do you have any medical conditions?

This won't necessarily affect your eligibility.

Yes
No

How can we send your quote?

Please provide your contact information.

Verify your phone number

We've sent a 6-digit code to your phone.

Verify & Continue

Thank You!

Your quote request has been submitted.

One of our specialists will contact you shortly.

Why compare insurance quotes

Same cover, different price

Providers rate risk differently. A quick comparison can save you hundreds per year on premiums.

Policy terms matter

Two quotes can behave very differently - think waiting periods, exclusions, and benefit limits.

Life changes

New job, family, mortgage - your insurance needs evolve. Regular reviews ensure you're properly covered.

Why the cheapest isn't always the best deal

Coverage gaps

Basic policies might exclude key scenarios or have restrictive definitions that reduce your actual protection.

Waiting periods

Cheaper policies often have longer waits before benefits kick in - sometimes months for certain conditions.

Premium increases

Some low-cost policies have aggressive annual increases that make them expensive over time.

How it works

1

Answer a few questions

Tell us about your situation and needs in under 4 minutes.

2

Compare quotes

We'll show you options from leading NZ providers.

3

Get expert advice

Our specialists help you understand your options.

4

Choose your cover

Pick the plan that's right for you - no obligation.

What our customers say

★★★★★

"Work It Out made comparing insurance so simple. Found better cover at a lower price than I was paying!"

MR
Mike R.
Business Owner, Auckland
★★★★★

"The team explained everything clearly. No pushy sales, just helpful advice. Highly recommend!"

LT
Lisa T.
Teacher, Wellington
★★★★★

"Finally understood what insurance I actually needed. The comparison saved me over $600 a year."

PT
Paul T.
Engineer, Christchurch

Frequently Asked Questions

We help you compare life insurance, health insurance, income protection, trauma insurance, and mortgage protection from leading NZ providers.
Yes, our comparison service is completely free with no obligation. We're here to help you find the right cover, not pressure you into a decision.
Our quick questionnaire takes just 3-4 minutes. After that, one of our specialists will contact you to discuss your personalized options.
Absolutely. Your information is securely stored and only used to provide you with quotes. We never sell your data to third parties.

Ready to find the right cover?

Compare quotes from leading NZ providers in under 4 minutes. No obligation, completely free.

Get My Free Quote
No hidden fees
Instant quotes
24/7 Support