A few quick questions about your income, debts, and family so we can match you with the right level of cover.
A qualified NZ adviser walks you through your best options in plain English, no jargon, no pressure.
Choose a plan that fits, we handle the paperwork, and your family is protected from day one
We explain what you're actually paying for and what you're not so you can make a confident decision.
We'll find cover that makes sense for your income and life stage, not just the most expensive plan on the shelf.
Our advice is independent, unbiased, and always in your corner.
We guide you through every step of getting set up. No confusing forms, no chasing paperwork.
Get the right level of cover for your household without paying for things you don't need
No workplace cover to fall back on? We'll make sure you're properly protected.
Not sure if your current cover still stacks up? We'll help you compare and find out.
See real prices from top NZ insurers before you commit to anything.
Local and available when you need us
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Get a quote with zero pressure to proceed.
Insurances.co.nz was built for New Zealanders who are tired of being sold to. We connect you with qualified advisers who take the time to understand your health situation and find cover that genuinely fits, whether you're a family, self-employed, or reviewing an existing policy. No hidden agendas, no insurer ties. Just straightforward help getting you the right cover.
If anyone depends on your income, a partner, children, or ageing parents, life insurance ensures they're financially secure if you're no longer around. It's not something you want to think about, but it's one of the most important things you can do for the people you love.
A common starting point is 10x your annual income, but the right amount depends on your mortgage, debts, number of dependents, and existing assets. Our advisers will help you work out a figure that genuinely covers your family's needs, not just a ballpark guess.
Most NZ life insurance policies pay a lump sum to your nominated beneficiaries when you pass away. That money can be used to pay off a mortgage, cover living costs, fund your children's education, or simply give your family breathing room during a difficult time.
Life insurance pays out if you die. Income protection replaces a portion of your income if you can't work due to illness or injury. Many NZ families benefit from having both, we'll help you understand which combination makes sense for your situation.
Term life insurance covers you for a set period, say until your mortgage is paid off or your kids are grown. Whole of life cover lasts your entire lifetime and can build cash value over time. Most NZ families opt for term cover as it's more affordable and fits specific financial obligations.
Premiums depend on your age, health, lifestyle, and the level of cover you choose. A healthy non-smoker in their 30s can often get solid cover from as little as $30–$50/month. We compare real quotes from NZ's top insurers so you can find something that fits your budget.
Yes, though some conditions may affect your premiums or result in certain exclusions. Every insurer assesses risk differently, which is exactly why comparing your options matters. We'll help you find a policy that's transparent about what's covered and what isn't.
Yes, that's exactly what we're here for. Rather than approaching each insurer individually, we compare your options in one place so you can see differences in cover, exclusions, and price side by side.
It takes just a few minutes. Tell us a bit about yourself and what you need to protect, and we'll match you with the most suitable options from NZ's top insurers, no obligation to buy, no pressure to decide on the spot.
