How it works

Life & Living Insurance offers you the flexibility to choose the cover that best helps you protect what’s important to you. If you’re not sure what Life & Living Insurance is, take a quick read of the Guide to Life & Living Insurance – it might help with some of the initial questions you may have.

In summary, here’s how Life & Living Insurance works:

Life Insurance

Life cover

Life cover pays a lump sum of money if you die, or if you’re diagnosed as terminally ill and expected to die within the next 12 months.

Living Insurance

Serious Illness Trauma cover

Serious Illness Trauma cover pays a lump sum of money if you’re diagnosed with a defined medical condition, such as a severe cancer or severe heart attack.

Income Protection Illness cover

Income Protection Illness cover pays a monthly amount if you’re unable to work because of illness where you were previously working at least 25 hours per week for a single employer. The monthly payment may be reduced by your other income, such as salary or wages, or income you’re entitled to receive from Government agencies or other insurance providers. You can choose whether payments are made for up to two or five years.

Redundancy cover

This cover is only available if you’ve also chosen the Income Protection Illness cover

Redundancy cover pays a monthly amount for up to six months if you’re not working because you’ve been made redundant. The cover amount must be the same amount you’ve selected for your Income Protection Illness cover. To be covered you must have been in permanent paid employment (at least 25 hours for a single employer per week) up to the time you were made redundant.

Funeral Expenses cover

This is complimentary. Whichever cover you’ve chosen, as long as it’s in place, you’ll automatically get one lump sum payment of $15,000 to help with funeral expenses if you die, or if you’re diagnosed as terminally ill and expected to die within the next 12 months.

Before making a decision, we highly recommend you read the Life & Living Insurance fact sheet (PDF 164.2 KB). It outlines more information for each type of cover, including details on:

  • Nominating a beneficiary
  • Stand-down periods
  • Important conditions and exclusions

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).

Full policy details

Work out what it might cost

Get an idea of what kind of insurance and cover could work for you, and how much it could cost. You can compare your calculation with other Kiwis in a similar situation. It should take a couple of minutes and when you’re done we can email you with the results.

Life & Living Insurance tool

Interested? Let's talk

Get in touch or apply now

Make a claim

To make a claim, call us on 0800 222 491. We're available 8:30am to 5pm, Monday to Friday.

A claim needs to be lodged within six months of when you first became entitled to make a claim. When you call, you’ll be assigned a specialist who you’ll be able to deal with directly until the claim’s resolved.

When you call to make a claim, we’ll talk you through exactly what we need.


Important information

Life & Living Insurance is provided by Kiwi Insurance Limited. Life Insurance issued before 14 November 2012 is also 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 274.8 KB). If your cover was issued before 14 November 2012, you’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.

View information about 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.