Have an insurance expert contact you

Enter your details and an insurance expert will contact you within three business days.


Contact an insurance expert directly

Prefer to contact someone directly, in your own time? No problem. Our insurance team are available 8.30am to 6pm, Monday to Friday on 0800 222 491.

At your local Kiwibank

Download an application form

Then come and see us at your local Kiwibank.

Who can apply for cover

To apply for Life & Living Insurance cover you need to complete an application form and be:

  • living in New Zealand and entitled to permanently reside here
  • 18–70 years old to apply for Life Insurance – Life cover
  • 18–60 years old to apply for Living Insurance – Serious Illness Trauma cover, Income Protection Illness cover or Redundancy cover
  • employed for at least 25 hours per week for a single employer, to apply for Living Insurance – Income Protection Illness cover and Redundancy cover.

The application will then be assessed and Kiwi Insurance will be in contact with you. While you’re waiting for your application to be assessed you’ll receive Temporary Accidental Death Cover (PDF 51.1 KB).

What you’ll need when you apply

When you apply, we’ll ask you some questions about:

  • your height and weight
  • any existing medical conditions
  • your lifestyle - things like whether or not you smoke and what kind of work you do (do you sit at a desk or manage machinery).

Your answers might affect how much you pay in premiums or the conditions of your policy. It’s up to you to be honest. If you’re not, we can void your policy and keep some or all of your premiums - and decline your claims.

Making a claim

Call us on 0800 222 491. The insurance team are available 8:30am to 6pm, Monday to Friday.

Other information

Life & Living Insurance is provided by Kiwi Insurance Limited. Kiwi Insurance Limited is the only organisation responsible for claims under the cover. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products issued by, Kiwi Insurance Limited. Kiwibank Limited may receive a commission on any insurance it arranges.

"We", "us" or "our" means Kiwi Insurance Limited.

Important terms, conditions and exclusions are set out in the Life & Living Insurance Cover Wording (PDF 215.9 KB).

To make changes to your policy or to make a claim, call us on 0800 222 491 between 8:30am and 5pm, Monday to Friday.

Kiwi Insurance Limited has a financial strength rating of A-(Excellent) from A.M.Best Company.

Rating Scale

A++, A+ Superior

A, A- Excellent

B++, B+ Good

B, B- Fair

C++, C+ Marginal

C, C- Weak

D Poor

E Under Supervision

F In Liquidation

S Suspended

Kiwi Insurance Solvency and Statutory Fund

Like all insurers in New Zealand Kiwi Insurance Limited is required to meet solvency standards which are determined by the Reserve Bank of New Zealand.

As at 31 December 2017, the Actual Solvency Capital of Kiwi Insurance Limited was $16.13 million, which gave a margin over the Minimum Solvency Capital of $8.937 million. The breakdown of these amounts is shown in the following table.

As at 31 December 2017 $000's
Actual Solvency Capital (A) 16,130
Minimum Solvency Capital (B) 7,193
Solvency Margin (A-B) 8,937
Solvency Ratio (A/B) 224%

Kiwi Insurance has one statutory fund which constitutes the whole of the company.