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1 Basic Questions
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

Instant online quotes

Compare NZ leading insurance companies
No fee’s, we’ll negotiate the best deal, handle the paperwork-for free

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We’re here to help, not pressure or hassle you
© 2019 LifeCovered Limited compared 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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How old are you?

Years Old

Have you smoked for the last 12 month ?

Do you currently have life insurance ?

What is your occupation ?

What is your annual income?


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: 
Advanced Options
Cash Reward:
Special Offer
Cash Reward:
Special Offer
Cash Reward:
Special Offer
Credit Rating
AA (Fitch)
A+ (S&P)
A- (AM Best)
Company size
1st in New Zealand
5th in New Zealand
6th in New Zealand
Claims paid

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?

Get 30% Cash Reward on any life insurance from LifeCovered

From the 1 September and until 31 October, buy any life insurance, trauma cover, mortgage & income cover or income protection and get a 30% Cash Reward.
LifeCovered will give you a Cash Reward equal to 30% 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 30% 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 × 30% = $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.


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.


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

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