Life Insurance in New Zealand

Why Life Insurance

Why get Life Insurance?

Life insurance is a lump-sum payment that is paid to you in the event of death, or if you have been diagnosed with a terminal illness and are likely to die within 12 months following diagnosis. If you have family that depends on you financially, it may be a good idea to get life insurance.

Lump-sum payment

Paid out in the event of your death or terminal illness

Leave a legacy or protect your family

Continue to support loved ones after you're gone

Get an instant quote

How it works

We know you're busy, so we keep it simple

Tell us a bit about yourself in our quick 10-min form. This gives us everything we need to tailor a recommendation that fits you, not the other way around.

We’ll send through your personalised quote. You can either book a time to review it together or go ahead with the solution that feels right. We’ll walk you through each part so you can make an informed decision.

When you're happy with your plan, it's time to apply with the insurer and get covered! The insurer might need extra info or medical checks – but don’t worry, we’ll guide you through it all, step by step.

Life Insurance FAQs

Ask us directly

Alright, but what exactly do you do?

As insurance advisors (also known as "brokers"), we do the hard work for you so you can save time when choosing the right insurance provider. We help you compare your options across multiple leading insurance providers, help you with any questions you may have along the way and are there for you should you need to raise a claim.

How much life insurance do I need?

A general rule of thumb is 10X your annual salary in life cover; however, your unique situation and needs may differ. We recommend talking to an insurance advisor to help you decide on the amount.

How much is this going to cost me?

Generally speaking, your age and health play a major factor in the cost of your life insurance policy. The life insurance providers that we work with use a variety of models to work out your risk, which affects your premiums (monthly payments). Basically, the healthier and younger you are, the cheaper your policy will be, so it pays to stay healthy and get insurance when you are young before you develop any ailments.

What is term life insurance vs. whole life insurance?

Term life is insurance valid for a certain time period only, for example 20 or 30 years. Permanent or Whole Life is a policy that is valid for your whole life, meaning that no matter what age you pass away at your policy claim will be paid out according to the terms and conditions of your policy. While term life insurance is usually cheaper, it doesn't always pay off in the end. This is why we advise working with a licensed financial advisor (like us!) to make sure you understand the true costs and benefits of your policy.

Why Buffer

Why use an insurance advisor?

Unlike working with one single insurance provider, as licensed Financial Advisors, we're able to advise you on which policy is right for you across multiple insurance companies while ensuring you get the most favourable terms on your policy. We also advocate for you and your family in the event of a claim to ensure the whole process goes smoothly.
‍
Click here to read more about what we do.

Access to exclusive insurance solutions

Available 7 days a week

We work with NZ's Top insurance providers

We advocate for you throughout the entire process, from application to claim