Compare Life Insurance NZ | Work It Out
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Compare life insurance plans from NZ's top insurers. 100% free, no obligation.

Helping Kiwi families since 2018

8,500+Kiwis protected
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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.

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Answer a few quick questions about your life cover needs.

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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.
Term life insurance covers you for a specific period (e.g., 20 years) and is usually more affordable. Whole life insurance covers you for your entire life and typically includes a savings component, but comes with higher premiums.
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.
Premiums vary based on age, health, smoking status, coverage amount, and policy type. A healthy 30-year-old might pay $30-50/month for $500,000 cover, while a 50-year-old might pay $100-200/month for the same cover.
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.

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