Kiwibank.
Life insurance
With Life Insurance you can relax knowing your family will be financially secure if the unexpected happens.
No one likes to think about dying prematurely or suffering a major illness or accident. Taking out Life insurance helps protect your loved ones from financial pressures if you're not able to.
Choose from two types of cover:
- Life cover — Life insurance that provides a lump sum payment in the event of death
- Life and Trauma cover - in addition to the Life cover, up to 50% will be paid of the life sum insured for a range of illnesses with Trauma cover, including cancer, heart attack and stroke, even if you make a complete recovery.
How much will it cost?
- Step one: Use our Life insurance calculator to work out how much cover you need.
- Step two: Use our online calculator to figure out how much your premiums will be.
There's a 30 day 'free look period' when the policy is issued. This means that if the policy doesn't meet your needs, you can cancel it and get a full refund of any premiums you've paid.
Benefits
The right life insurance cover can help your family by:
- Paying off the home loan on your family home
- Paying them a lump sum if you die
- Early payment if you're diagnosed as terminally ill with less than a year to live
- Covering funeral costs up to $5,000, usually within 48 hours of notification of death. This can include bringing in family from overseas at short notice.
- Clearing other debts like credit cards and hire purchases
- Providing living expenses to help your family get back on their feet
- Providing for your children's education
- Optional Trauma cover, which pays out a lump sum for a range of illnesses including cancer, heart attack and stroke, even if you make a full recovery.
For full details, read the 
Life Insurance policy (PDF 236 KB).
Eligibility
To be eligible for Life cover, you need to be aged between 16 and 70. For the Life and Trauma cover, you need to be aged between 16 and 60.
Apply now
Call us on 0800 222 491 between 8am and 8pm, Monday to Friday or email us and let us know when you’d like us to call you.
Otherwise, download and complete a Life Insurance application (PDF 98 KB) and send it to us at: Kiwibank – Kiwi Insurance Limited, Freepost 118003, PO Box 92, Wellington 6140.
Make a claim
To make a claim, call us on 0800 222 491 between 8am and 6pm, Monday to Friday.
You may also be interested in:
- Interim Accidental Death Benefit
- Life Insurance Application (PDF 98 KB)
- Life Insurance policy (PDF 236 KB)
Conditions
Important terms, conditions and exclusions are set out in the Life Insurance policy wording (PDF 236 KB). Your insurance is provided to you by Kiwi Insurance Limited. Kiwibank Limited may receive a commission on any policy it arranges. Kiwi Insurance Limited is solely responsible for any claims under the insurance policy. Kiwibank Limited does not guarantee the obligations of any products issued by Kiwi Insurance Limited. “We”, “us” or “our” means Kiwi Insurance Limited.