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2 Your Financial Details
3 Your Free Quote
1 Basic Questions
2 Your Financial Details
3 Your Free Quote
4 Apply

Best policy, best price

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Compare NZ leading insurance companies
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© 2019 LifeCovered Limited compares New Zealand’s leading Life Insurance companies and this calculator provides an estimate quote based on your age, gender and smoker status without taking into account your personal circumstances such as medical history which may premiums and terms offered.
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When choosing an insurance company, what are the 3 important things to you ?

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Choose your cover

Life Insurance: 
Click to adjust the cover
Trauma/Critical Cover: 
Income Protection: 
 /Month
Advanced Options
Cash Reward:
Special Offer
Cash Reward:
Special Offer
Cash Reward:
Special Offer
General
 
Credit Rating
AA (Fitch)
A+ (S&P)
A- (AM Best)
Company Size The size of the company is calculated using the total amount of premiums in force October 2019.
Company size
1st in New Zealand
5th in New Zealand
6th in New Zealand
Claims Paid The total claims expense accross all products in 2018
Claims paid
$634.1M
$121.5M
$85.5M
 
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AIA Life Cover
Cash Reward: Special Offer
Apply Now
View Details
Asteron Life
Cash Reward: Special Offer
Apply Now
View Details
Partners Life
Cash Reward: Special Offer
Apply Now
View Details


Frequently Asked Questions
Is it cheaper to buy insurance through LifeCovered™ ?
Going through a life insurance broker or directly with one insurance company makes no difference as you will be paying the same.

But you can save money by comparing insurance policies from New Zealand’s leading insurers: AIA, Asteron Life, Fidelity Life and Partners Life.

Each company is fighting to offer the best policy at the best price – and you as a buyer is winning by comparing the market.

At LifeCovered™, we work hard to compare the top insurance companies, to make sure you get the best policy and save money.

Not all insurance brokers are created equal. Be wary of those that represent a single insurer. Despite what some online insurers might say on their advertising, it’s not necessarily cheaper to cut out the middleman.
How does LifeCovered™ make money?
As a company, we get paid commission for policies we sell for an insurance company.
Not to worry, because the commission is already built in to the price of all insurance policies.
This means you never pay to use our service.
Shouldn't I buy directly from an insurance company?
Regardless of where you buy a policy, direct or with a broker, the price is the same.

LifeCovere™ compares New Zealand’s leading insurers and we make it easy to protect what you care about.
Help! My life insurance premiums are increasing.
Very rarely will a bank or insurance company clearly show you the lifetime costs you can expect to pay for a life insurance policy.

After the age of 40, premiums increase drastically and can become multiples soon after, which is the main reason for why people cancel.

LifeCovered™ can help you delay the increases or stop them all together. Book a free call with our advisor today to learn more.
ok, so what is it like to work with you?

Financial Wellbeing
Insurance can feel like a paradox. Because everything we buy in life, we get to enjoy now. My wish is that you would never experience a tragic event, where you, your family or business would suffer and would need to make an insurance claim.

Who would be impacted financially by your premature death, illness or disability?

Everyday more about 71 kiwis will hear the words: “I’m sorry, you have cancer” and 63% of New Zealanders would be unable to pay mortgage/rent after 3 month off work.

The financial consequences
You and your lifestyle are unique, so it makes sense that a protection plan is tailored to you.

We compare New Zealand’s leading insurers and know which ones are best suited for you.

And with premiums that don’t increase with age, we help put a plan that suits your budget and needs.

Who is going to help in your hour of need?
When circumstances change and it’s time to make a claim, you only need to call us. We will work with you and make the process smooth and easy.


Help and Support
Still unsure about your policy?
Got questions in mind?
Call Now
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AIA Life Cover
 
General
 
The size of the company is calculated using the total amount of premiums in force October 2019
Size of company
1st in New Zealand
The total claims expense accross all products in 2018
Claims paid annualy
634.1M
Approved by international credit rating agencies
Financial Strength
AA (Fitch)
Policy Benefits
 
The number of days from when your policy is issued that you can cancel (provided no claim has been made) in writing and receive a full refund.
Free Look
15 days
Standard exclusions
suicide within first 13 months
This policy provides you with worldwide cover, 24 hours a day.
Worldwide cover
YES
Special conditions apply, give us a call to discuss your options.
Cover for work visa holders
Conditions apply
Insurers offer a level of basic cover while your application is under review. Cover varies between insurers and is not available to all people. It’s important to check this information in your policy document.
Free cover during approval process
60 days
Seemless convertion of a rate for age policy to level premiums, without any extra underwriting.
Automatic conversions to fixed premiums
YES
Lets you stop paying premiums for up to six months if you experience financial hardship. You can still make claims during this time. See policy document for details.
Premium holidays
No
Enables you to suspend your life insurance should you go on parental leave or on leave without pay for any reason, for up to 12 months. You cannot claim during this time or in the future for any health related conditions that occur during this suspension period.
Suspension of premium benefit
YES
Life Cover Benefits
 
Pays the life cover, if the insured person is diagnosed as having less than 12 months to live.
Terminal Illness
12 months
Immediately upon notification of death, bereavement support is paid to help with funeral costs etc.
Breavement Support
$15,000
Lets you increase your amount of cover whenever a special event occurs in the insured person’s life. Special events include getting married, having children, taking out a mortgage or getting a pay rise. Check policy documents for details.
Special events increase
YES
Paid immediately upon notification of death of a dependent child. Maximum of $15,000 between age 10 to 21; or maximum of $2,000 before age 10.
Parents greiving benefit
YES
The financial planning and legal advice benefit enables you to get advise from an approved financial adviser or legal professional. You will be reimbursed fees up to $2,500 (incl. GST).
Financial planning and legal advice
up to $2,500
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Apply Now
Asteron Life
General
 
The size of the company is calculated using the total amount of premiums in force October 2019
Size of company
5th in New Zealand
The total claims expense accross all products in 2018
Claims paid annualy
121.5M
Approved by international credit rating agencies
Financial Strength
A+ (S & P)
Policy Benefits
 
The number of days from when your policy is issued that you can cancel (provided no claim has been made) in writing and receive a full refund.
Free Look
17 days
Standard exclusions
suicide within first 13 months
This policy provides you with worldwide cover, 24 hours a day.
Worldwide cover
YES
Special conditions apply, give us a call to discuss your options.
Cover for work visa holders
Conditions apply
Insurers offer a level of basic cover while your application is under review. Cover varies between insurers and is not available to all people. It’s important to check this information in your policy document.
Free cover during approval process
60 days
Seemless convertion of a rate for age policy to level premiums, without any extra underwriting.
Automatic conversions to fixed premiums
YES
Lets you stop paying premiums for up to six months if you experience financial hardship. You can still make claims during this time. See policy document for details.
Premium holidays
No
Enables you to suspend your life insurance should you go on parental leave or on leave without pay for any reason, for up to 12 months. You cannot claim during this time or in the future for any health related conditions that occur during this suspension period.
Suspension of premium benefit
No
Life Cover Benefits
 
Pays the life cover, if the insured person is diagnosed as having less than 12 months to live.
Terminal Illness
12 months
Immediately upon notification of death, bereavement support is paid to help with funeral costs etc.
Breavement Support
$15,000
Lets you increase your amount of cover whenever a special event occurs in the insured person’s life. Special events include getting married, having children, taking out a mortgage or getting a pay rise. Check policy documents for details.
Special events increase
YES
Paid immediately upon notification of death of a dependent child. Maximum of $15,000 between age 10 to 21; or maximum of $2,000 before age 10.
Parents greiving benefit
No
The financial planning and legal advice benefit enables you to get advise from an approved financial adviser or legal professional. You will be reimbursed fees up to $2,500 (incl. GST).
Financial planning and legal advice
up to $2,500
Back
Apply Now
Partners Life
General
 
The size of the company is calculated using the total amount of premiums in force October 2019
Size of company
6th in New Zealand
The total claims expense accross all products in 2018
Claims paid annualy
85.5M
Approved by international credit rating agencies
Financial Strength
A- (AM Best)
Policy Benefits
 
The number of days from when your policy is issued that you can cancel (provided no claim has been made) in writing and receive a full refund.
Free Look
30 days
Standard exclusions
suicide within first 13 months
This policy provides you with worldwide cover, 24 hours a day.
Worldwide cover
YES
Special conditions apply, give us a call to discuss your options.
Cover for work visa holders
Conditions apply
Insurers offer a level of basic cover while your application is under review. Cover varies between insurers and is not available to all people. It’s important to check this information in your policy document.
Free cover during approval process
60 days
Seemless convertion of a rate for age policy to level premiums, without any extra underwriting.
Automatic conversions to fixed premiums
YES
Lets you stop paying premiums for up to six months if you experience financial hardship. You can still make claims during this time. See policy document for details.
Premium holidays
No
Enables you to suspend your life insurance should you go on parental leave or on leave without pay for any reason, for up to 12 months. You cannot claim during this time or in the future for any health related conditions that occur during this suspension period.
Suspension of premium benefit
No
Life Cover Benefits
 
Pays the life cover, if the insured person is diagnosed as having less than 12 months to live.
Terminal Illness
12 months
Immediately upon notification of death, bereavement support is paid to help with funeral costs etc.
Breavement Support
$25,000
Lets you increase your amount of cover whenever a special event occurs in the insured person’s life. Special events include getting married, having children, taking out a mortgage or getting a pay rise. Check policy documents for details.
Special events increase
YES
Paid immediately upon notification of death of a dependent child. Maximum of $15,000 between age 10 to 21; or maximum of $2,000 before age 10.
Parents greiving benefit
YES
The financial planning and legal advice benefit enables you to get advise from an approved financial adviser or legal professional. You will be reimbursed fees up to $2,500 (incl. GST).
Financial planning and legal advice
up to $2,500

The next step is getting you approved

We do this with you over the phone. You’ll get the chance to ask questions and review the details before we move forward
How should we get in touch?
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Get 20% Cash Reward on any life insurance from LifeCovered

Buy any life insurance, trauma cover, mortgage & income cover or income protection and get a 20% Cash Reward.
LifeCovered will give you a Cash Reward equal to 20% of your first year's premium.

How the Cash Reward works three simple steps

1) take out any life insurance, trauma cover, mortgage & income cover or income protection and LifeCovered will give you a Cash Reward equal to 20% of your first year's premium.
2) Claim your reward with the promo code: "September30"
3) Your Cash Reward will be credited your bank account the next day.
The Cash Reward is paid to you by LifeCovered as a one-time lump sum payment on any new policy. Additional policy or replacing an existing policy started through LifeCovered is not eligible.


Example of a Cash Reward

If you are paying $100 per month in insurance premiums, your Cash Reward will be $240. The calculation is as follows: $100 × 12 months × 20% = $360 
The Cash Reward will be paid in the first year of the policy only. Not in any subsequent years.


Cancelled or lapsed policies:

If you, within twelve months of receiving a Cash Reward
 You must return the Cash Reward in full to LifeCovered in full within 14 days.

LifeCovered reserves the right to take action against you, including (without limitation) the use of collection services, to recover outstanding debts. You are liable for all expenses (including legal fees) that LifeCovered incurs when collecting that debt.


Liability

To the fullest extent permitted by law, LifeCovered shall not be responsible for any claims, loss, damage or injury whatsoever suffered by you in respect of the subject matter of these Terms (including but not limited to any direct, indirect, consequential, special, punitive or incidental loss or damages) and LifeCovered's liability to you will in all circumstances be limited to the value of the Cash Reward or Gift Incentive. For the avoidance of doubt, nothing in these Terms is intended to modify or negate a consumer's rights under the Consumer Guarantees Act 1993.


Changes

LifeCovered may reduce or extend the Promotional Period at its sole discretion.
X

AIA Vitality by AIA New Zealand is the greatly popular health and wellness program, that rewards you with shopping- and discount vouchers, insurance discounts when you are actively improving your health.

How it works?




AIA Vitality Brochure

What are the benefits?

Instant 10% discount on your AIA insurance premiums - can increase up to 20%

Active Benefit Rewards

Monitor your steps, heart rate or calories burnt using your activity tracker or smartphone, and earn $5 per week if you reach your weekly personalised physical activity target (up to $260 per membership year).
You get to choose between:


Who is eligible for AIA Vitality?

Anyone with an eligible AIA insurance policy can take out an AIA Vitality membership


How much does AIA Vitality cost?

Members pay an $11.50 incl. GST membership fee per month.



How do I get started?

We've broken the process down to three simple steps, so you can start saving on life and health insurance.


1. Click "Apply Now" to schedule a call with one of our life insurance experts
2. Once we know you better, we might be able to refine the pricing even more. And get you an even better deal.
3. We make the paperwork simple and easy to get you insured. Quick - Smart.

Is my AIA Vitality data safe and secure?

AIA take Information Security seriously and have processes and secure systems in place to ensure your personal information is safe.


Privacy details