Life & Living Insurance

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.

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

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.


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.

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 specialist

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

Talk to a specialist

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

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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