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Important information

Life & Living Insurance is provided by nib nz insurance limited. nib nz insurance limited is a related party of nib nz limited and nib nz holdings limited. Please note that while nib nz limited sells and may advise on nib nz insurance limited's Life & Living Insurance, nib nz insurance limited is the insurer of Life & Living Insurance, and is the only organisation responsible for claims under the cover. nib nz limited and nib nz holdings limited don't guarantee the obligations of, or any products issued by, nib nz insurance limited.

nib nz insurance limited pays fees to Kiwibank Limited for Kiwibank's referral of customers to nib nz insurance limited and nib nz limited. nib nz insurance limited pays a service fee to nib nz limited to receive a range of services, which include nib nz limited arranging insurance and making financial advice available. nib nz limited provides financial advice on its own behalf and not on behalf of nib nz insurance limited or Kiwibank Limited. To find more about how nib nz limited provides financial advice visit nib.co.nz.

As a licensed financial advice provider, nib nz limited must comply with the Financial Advice Duties and the Code of Professional Conduct for Financial Advice Services, which includes providing you with information on its complaints process and external dispute resolution scheme, the Insurance and Financial Services Ombudsman scheme. To see nib nz limited's Financial Advice Statement visit nib.co.nz.

Important terms, conditions and exclusions are set out in the Life & Living Insurance Cover wording (PDF 257.7 KB). If your cover was issued before 30 April 2022, you’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions.

View nib nz insurance limited's financial strength rating and solvency margin.