Life Insurance

From 1 October 2017, Momentum Life Insurance will be temporarily unavailable to new applications.

If you have a current Life Insurance Policy (taken out before 1 October 2017), there will be no change to the terms or benefits and obligations under your policy, provided it is kept in force. Our Customer Service team are happy to assist with any questions you may have. Call us on 0800 108 108 (Monday – Friday, 9am to 8pm) or email

Why choose Life Insurance?

Cover in minutes

Get covered over the phone with no health or medical questions.

Acceptance is guaranteed

For New Zealanders aged 16 – 65 years.

Up to $300,000 lump sum payment to your family1

Premiums stop at age 75

Cover of $15,000 continues and no Policy exclusions apply.

Early payment

On diagnosis of Terminal Illness.

Family Discount

A $150 discount applies annually for each additional person you cover under your policy, provided you remain covered together.

Optional Accident Insurance

For additional protection.

Flexible premium structure

Choose to pay weekly, fortnightly, monthly or annually.

Automatic cost of living increases

To help your cover keep up with inflation.

30-day cooling off period

To make sure you’re completely satisfied.

Things you should know

Pre-Existing Conditions

As this Life Insurance isn’t underwritten, there is a five-year waiting period for Pre-Existing Medical or Health Conditions and some Policy exclusions apply.

Download the fact sheet or refer to our FAQs or the Policy Wording for more information. Alternatively, you can call us on 0800 111 679.

Premiums stop from age 75

We understand that your insurance needs and budgets change as you get older. That’s why from age 75, all Policy exclusions no longer apply, your Life Insurance Benefit will be reduced to $15,000 to help pay for funeral and final expenses, and no further premiums will be payable under the Policy.

Additional benefits

Optional Accident Cover

Have greater peace of mind knowing you and your family have additional cover in the event you or your insured partner suffer an Accidental Serious Injury or Accidental Death with our optional upgrade.

Adding optional insurance benefits can be an easy and cost-effective way to combine insurance covers or increase your protection.

Find out more about Optional Cover Benefits.

$100,000 cover from just $6.48 per week2

Quick & easy application

If you’re a New Zealander, aged 16 to 65, you won’t be turned down for this life insurance. You can choose a benefit from $50,000 to $300,000 without any health questions, medicals or blood tests. In fact, you can organise cover quickly and easily.

Call us on 0800 111 679 for an obligation free quote or complete your quote online.

Life Insurance FAQs

Get answers to commonly asked life insurance questions.

Alternatively, you can call 0800 111 679 and one of our team members will be happy to help you.


  1. The maximum benefit you can apply for is $300,000.
  2. Based on a female non-smoker, aged 34.