Life & Living Insurance

Apply now

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, don't need to speak to anyone, and are ready to apply, download the application form.

Download application form
Make a claim

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.

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 and Serious Illness Trauma.

  • 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.

Learn more about the benefits

How it works

  • Pick ‘n’ mix

    Choose just Life Insurance, just Living Insurance, or a combination of the two. Within Living Insurance, choose from - Income Protection Illness cover and/or Serious Illness Trauma cover.

  • Income Protection Illness cover

    Pays a monthly allowance if you’re unable to work because of illness. To be eligible for this cover you need to be working at least 25 hours a week for a single employer.

  • Name your Life cover beneficiary

    A beneficiary is the person you want to receive any Life cover or Funeral Expenses payments. If you don’t name a beneficiary, payments will be made to your estate.

  • Serious Illness Trauma cover

    Pays a lump sum if you’re diagnosed with a defined medical condition, such as severe cancer or a severe heart attack. The maximum amount of cover is $1 million.

  • Life insurance

    Pays a lump sum if you pass away or if you’re diagnosed as terminally ill and are expected to pass away within 12 months.

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.

Calculate your cover

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 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).

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.

Apply now

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

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.