Protect your lifestyle if you can’t work any more with cover for serious illness trauma and income protection and look after your loved ones if you pass away with life insurance.
Insurance options at a glance
Income Protection Illness insurance - pays a monthly amount if you’re unable to work because of illness.
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.
Life insurance - pays a lump sum if you pass away or you're terminally ill and are expected to die within 12 months.
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
You can 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 within our mobile app.
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Making a claim
If something goes wrong, call our claims team between 8:30am - 5pm, Monday to Friday. If you're calling within New Zealand phone 0800 222 491 and select option 2, then option 3.
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.
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 51.2 KB) while you wait for your application to be assessed by Kiwi Insurance.
Apply for Life & Living Insurance
Before completing the application, you may want to talk through your options with one of our insurance specialists or calculate your cover using our Life & Living Insurance estimator.
Insurance 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 Kiwi Insurance Limited. Kiwi Insurance Limited is a related party of Kiwibank 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.
Important terms, conditions and exclusions are set out in the Life & Living Insurance Cover wording (PDF 215.9 KB). If your cover was issued before 9 July 2019, you’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.
View Kiwi Insurance Limited's financial strength rating and solvency margin.
Kiwi Insure® is a brand of Kiwibank.
"We", "us" or "our" means Kiwi Insurance Limited.