Life & Living Insurance
Protect your loved ones by insuring your living - not just your passing
Life & Living Insurance is life insurance with a twist. We've crafted a nifty package from Kiwi Insurance that makes it easy to cover the basics without breaking the bank.
If you applied for life insurance before November 14 2012, your cover is different. See your policy
It’s a bit like two bank accounts
Deciding how much cover you need – and how much you can afford – is really hard. We've done some thinking, and we reckon four times your annual income is a good amount for most people.
That might not be enough to live on long-term, but it's enough to reduce financial pressure, help pay off debt, and help with setting up life's next phase. It's realistic without costing a fortune – and it's way better than no cover at all. If you want more or less, you can play around below and choose what works for you.
This is paid out in full if you die or become terminally ill. You can specify who gets the money if you die, and they'll be able to get up to $10,000 in cash quickly to deal with immediate expenses.
Lots of things can happen that don't kill you. You might survive an accident or illness, but be off work for months – or even forever. Your Living Account works kind of like a bank account – it'll help cover your living costs if something happens, and as the balance in the account goes down, you'll pay less for it in premiums.