Estimate the job
Debts, household funding, future costs and existing resources.
Clearer choices for New Zealanders
Compare life insurance in New Zealand
Understand cover, compare verified policy facts and see how a household cover estimate is built—without sharing contact details.
This public website provides general information—not personalised financial advice. No adviser partner or live quote service is currently represented.
Comparison desk
Start with like-for-like facts
01
Purpose and amount
What the cover needs to fund, and for how long.
02
Premium path
How payments may change—not just the first price.
03
Policy wording
Definitions, expiry, built-in benefits and exclusions.
04
Access route
Direct, adviser-assisted, and whether it is actually on a partner panel.
Cheapest today is not automatically best over time.
Traceable facts
14 current primary-source records.
Neutral order
No commission-led ranking or invented score.
Honest hand-off
No partner panel is claimed before agreement.
A useful comparison first
Product names matter. So do the facts beneath them.
A brand can distribute a policy underwritten by another legal insurer. Benefits can also belong to one particular product—not every policy from that brand. We keep those layers separate.
Open the full comparisonBrandProductVerified snapshot
AIA
AIA New Zealand Limited
AIA Living Life Cover
Bereavement support up to $25,000. No expiry stated by AIA.
Fidelity Life
Fidelity Life Assurance Company Limited
Life cover
Up to $25,000. No expiry stated; entry ages 16–75.
Southern Cross Life Insurance
Chubb Life Insurance New Zealand Limited
Southern Cross Life & Living Insurance
Bereavement support up to $25,000. Check the current policy document.
How to compare well
Four decisions before any quote
A sensible comparison starts with needs and terms. Price becomes meaningful only when the assumptions and cover are comparable.
Choose the time horizon
How long support may be needed, and how premiums may move.
Read product differences
Definitions, built-in benefits, expiry, ownership and options.
Use advice carefully
Only an identified licensed advice provider should give personalised advice.
What affects life-insurance cost
Compare the premium path, not an unsourced average
Age, smoking status, health, occupation, cover amount, optional benefits and premium structure can all change the price. Underwriting means an advertised example is not your quote.
Understand life-insurance costsStepped premiums
Often begin lower and generally change as age and other pricing factors change.
Level structures
Aim for a steadier specified premium basis, but are not a universal promise that every charge can never change.
Payment frequency
Fortnightly, monthly or annual payment options and policy fees can affect comparisons.
Optional benefits
Trauma, disability and premium-waiver options can change both protection and cost.
Different problems, different cover
Life cover is not income protection
Life cover generally pays on death or a qualifying terminal illness. Income protection is designed around loss of earnings following illness or injury. Mortgage-repayment disability cover, ACC and redundancy products each work differently again.
A lower-commitment first step
Understand the financial gap before thinking about a provider
Enter debts, household support, future costs and selected resources in a transparent educational calculator. No email is required, and your financial inputs stay in your browser.
Calculate an illustrative estimate