Platinum Life Insurance

Life cover for Kiwis by an award-winning insurer

Our Platinum Life Insurance provides a lump sum payment up to $1 million to your family that can help your loved ones cover ongoing household expenses like the mortgage, car repayments or school fees when you pass away or are diagnosed with a terminal illness. Cover is straightforward and easy to arrange too, with everything organised over the phone for most applications.

About Platinum Life Insurance

Up to $1 million life insurance benefit

paid to your family, depending on your age when you apply.

Easy to apply

over the phone – generally no medicals, blood tests or paperwork.

Flexible cover options

you could get $250,000 cover from just $3.77 per week1.

Premiums stop when you turn 90

and your cover continues for life.

Award-winning service

winner of Feefo Platinum Trusted Service Award for the last 4 years.

Early payment of your benefit

upon diagnosis of a Terminal Illness.

$10,000 Advance Funeral Payment2

to assist with your funeral and other expenses when it's needed.

Flexible premium structure

choose to pay fortnightly, monthly or annually at no extra cost.

Automatic Sum Insured Increase

cover increases by 3% annually to help maintain the real value of your cover.

Additional benefit

FREE interim Accidental Death Cover

If we require further information to assess your Platinum Life Insurance application, you will automatically be provided with free interim Accidental Death Cover for up to 30 days at no additional cost to you.

The amount of interim Accidental Death Cover is equal to the Life Insurance Benefit amount you have applied for or $500,000, whichever is less, and will only be payable subject to the terms and conditions explained in the Policy Wording.

Things you should know

If you or your insured partner dies, or has a terminal illness caused or contributed to, directly or indirectly, by suicide, attempted suicide or intentional self-injury, within the first 13 months of:

we will not pay a life insurance benefit.

Any increase to your Platinum Life Insurance is also subject to the first 13-month limitation.

If you currently hold another insurance policy, you should carefully consider the terms and conditions of both policies before you replace it with this Policy. Replacing an existing life policy comes with risks such as losing certain benefits, differences in policy terms, conditions and exclusions, and the implications of any non­disclosure on your new application (even when unintentional). Any pre-existing medical conditions may not be covered, and waiting periods may apply. As such you should not cancel any existing cover until your new application is accepted and you are satisfied the product is suitable for you, including seeking independent advice if you are unsure.

This life insurance by itself may not suit your insurance needs or those of your Partner. Please make sure you're aware of the full range of options available to you before taking out cover and seek independent financial advice if required.

$250,000 cover from just $3.77 per week1

Quick & easy application

If you’re a New Zealander aged 18 to 65, you can apply for Platinum Life Insurance easily over the phone – there are generally no medicals, blood tests or paperwork needed.

Simply call us on 0800 111 679 for an obligation free quote or request your quote online.


Platinum Life Insurance FAQs

Get answers to commonly asked Platinum Life Insurance questions.

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


1. and ^ Based on a female non-smoker, aged 32 with no premium loadings and/or exclusions.
2. Available once a Policy has been held for at least 24 consecutive months.