Life & Living Insurance

Make a claim

Protect your lifestyle if you can’t work any more with cover for serious illness trauma, income protection and redundancy and look after your loved ones if you pass away with life insurance.

Benefits at a glance

  • Life insurance - pays a lump sum if you pass away or you're terminally ill.

  • Living insurance - covers Income Protection Illness, Serious Illness Trauma and Redundancy.

  • Complimentary funeral expenses cover - comes with any Life and/or Living cover. Pays a lump sum payment of $15,000 to help with funeral expenses.

How it works

Work out your cover

Our Life & Living Insurance estimator will help you work out what type and how much cover you might need to protect your lifestyle and look after your loved ones.

How to apply

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, 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).

While you’re waiting for your application to be assessed by Kiwi Insurance, you’ll receive Temporary Accidental Death Cover (PDF 51.1 KB).

Apply for Life & Living Insurance

Before completing the application, you may want to talk through your options with one of our insurance experts, or calculate your cover using our Life & Living Insurance estimator.

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 cover

Talk to an insurance expert

If you’d like to talk to through your options, or apply over the phone, get in touch with our insurance team.

Talk to an expert

Complete application form

If you know what you’re after, and are ready to apply, download the application form and email the completed form to insure@kiwibank.co.nz

Download application form

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