With Life & Living Insurance protect your lifestyle if you can't work anymore or your loved ones if you pass away. This is peace of mind.
We offer Life & Living insurance through our trusted life insurance partners at nib.
Insurance options at a glance
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Income Protection Illness insurance - pays a monthly amount if you’re unable to work because of illness.
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Serious Illness Trauma insurance - pays a lump sum if you’re diagnosed with a defined medical condition, such as severe cancer or a severe heart attack.
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Life insurance - pays a lump sum if you pass away or you're terminally ill and are expected to die within 12 months.
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Funeral Expenses cover - comes complimentary with the cover you choose. It pays a lump sum payment of $15,000 to help with funeral expenses if you pass away, or are diagnosed as terminally ill and expected to die within the next 12 months.
How it works
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Pick ‘n’ mix
Choose the insurance cover that suits your needs: Income Protection Illness cover, Serious Illness Trauma cover, Life cover or choose a combination.
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See your cover in the mobile app
You can view details about your insurance policy, sum insured amount, premium details, what you're covered for and your policy number in the Kiwibank mobile app.
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Making a claim
If something goes wrong, call the claims team at nib between 8:30am - 5pm, Monday to Friday. If you're calling within New Zealand phone 0800 555 642 or from overseas +64 7 989 2500.
Work out your cover

Use the Life & Living Insurance estimator to help you work out what type and how much cover you might need to protect your lifestyle and look after your loved ones.
Eligibility
To apply you'll need to complete an application form and be:
- living in New Zealand and have one of the following;
- New Zealand or Australian passport/citizenship
- New Zealand or Australian Permanent Resident Visa (with no travel conditions on your visa)
- New Zealand Resident Visa (for Life cover and/or Serious Illness Trauma cover only)
- 18-70 years old to apply for Life Insurance (Life cover)
- 18-60 years old to apply for Living Insurance (Serious Illness Trauma cover or Income Protection Illness cover)
- employed for at least 25 hours per week for a single employer to apply for Living Insurance (Income Protection Illness cover).
You'll get Temporary Accidental Death Cover (PDF 84.7Â KB) while you wait for your application to be assessed.
Apply for Life & Living Insurance
Calculate your cover or talk to a specialist to work through your options.
Calculate your cover
Work out what type and how much Life & Living Insurance cover you might need to protect your lifestyle and look after the ones you love.
Calculate your coverTalk to a specialist
If you’d like to talk through your options or apply over the phone, get in touch with a specialist from our trusted life insurance partners at nib.
Talk to a specialistComplete application form
If you know what you’re after, and are ready to apply, download the application form and email the completed form to lifeservice@nib.co.nz
Download application formInsurance in action
By being prepared, Lynn and Mark were able to provide for themselves and their families when they needed it the most.

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Important information
Life & Living Insurance is provided by nib nz insurance limited. nib nz insurance limited is a related party of nib nz limited and nib nz holdings limited. Please note that while nib nz limited sells and may advise on nib nz insurance limited's Life & Living Insurance, nib nz insurance limited is the insurer of Life & Living Insurance, and is the only organisation responsible for claims under the cover. nib nz limited and nib nz holdings limited don't guarantee the obligations of, or any products issued by, nib nz insurance limited.
nib nz insurance limited pays fees to Kiwibank Limited for Kiwibank's referral of customers to nib nz insurance limited and nib nz limited. nib nz insurance limited pays a service fee to nib nz limited to receive a range of services, which include nib nz limited arranging insurance and making financial advice available. nib nz limited provides financial advice on its own behalf and not on behalf of nib nz insurance limited or Kiwibank Limited. To find more about how nib nz limited provides financial advice visit nib.co.nz.
As a licensed financial advice provider, nib nz limited must comply with the Financial Advice Duties and the Code of Professional Conduct for Financial Advice Services, which includes providing you with information on its complaints process and external dispute resolution scheme, the Insurance and Financial Services Ombudsman scheme. To see nib nz limited's Financial Advice Statement visit nib.co.nz.
Important terms, conditions and exclusions are set out in the Life & Living Insurance Cover wording (PDF 257.7 KB). If your cover was issued before 30 April 2022, you’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.
View nib nz insurance limited's financial strength rating and solvency margin.