Find the cheapest life insurance
When you’re healthy and fit, it’s not easy to imagine the idea of life changing. But if the worst were to happen, and you could no longer earn an income, would your family be able to manage financially without you?
If you have people that depend on you financially, or that might be hit hard financially in the event of your passing, you should consider life insurance. Life insurance is designed to protect your family and any other people who may depend on you for financial support.
Here at Glimp, we’re committed to helping everyday Kiwis just like yourself find cheap life insurance from New Zealand’s top insurance companies. We’ve gathered the best deals and policies together, so you can easily compare life insurance plans and find the right fit for your needs.
Ready to compare, switch and save? Find the cheapest life insurance policies using our online comparison tool today!
Compare life insurance companies
With New Zealand’s leading life insurance companies offering competitive prices on their policies, it can be hard to know which is the best deal. To help make this process easy for you, we’ve compiled all of the latest plans and packages, listing them by best prices, features and more.
You can easily compare life insurance companies, policies and deals, allowing you to find the right cover for your needs and budget. When you’ve found the right life insurance plan, we’ll direct you straight to the provider for you to easily sign up with them.
You’ll be surprised as to how much you can save by comparing life insurance quotes online!
Southern Cross life insurance
Southern Cross Life Insurance is a trusted name that has been helping insure Kiwis for over 50 years. They know the importance of having peace of mind that your loved ones are financially taken care of if something were to happen to you. That’s why they’ve made it easy to calculate your cover and sign up online.
On top of their standard life insurance plan, you have the option to increase cover by up to 25% for life events such as a mortgage, a baby or a marriage. If you’re a Southern Cross member, you’ll get a 10% discount on your Southern Cross Life Insurance premium.
Sovereign life insurance
As New Zealand’s #1 choice for life insurance, Sovereign know that life doesn’t always go according to plan. Southern Cross Life Insurance are dedicated to helping you take charge of what matters most, and currently protect more than 646,000 Kiwis and their families throughout the country.
When you take out life insurance with Sovereign, you’ll be supported by the largest claims team in NZ, as well as access to a strong adviser network offering free advice tailored to you.
You can even earn Airpoints Dollars™ with Sovereign! Just add your Airpoints™ number to your eligible policy to start earning points.
Cigna life insurance
Cigna have been protecting Kiwis for almost a century, providing simple, affordable life insurance that’s tailored to your stage in life. The Cigna Life Insurance team work side by side with you from beginning to end - from setting up a policy that suits you through to timing payments to suit your budget.
At Cigna, they know that claims time is emotional for their customers, and they pride themselves on going out of their way to make the process as stress-free and simple as possible.
With 10% off your first year’s premiums, as well as a further 10% off your initial and ongoing premiums, it’s easy to see why so many Kiwis are choosing Cigna for life insurance.
Asteron life insurance
With roots tracing back all the way to 1878, Asteron Life Insurance have been helping Kiwis for quite some time. Originally known as Royal and Sun Alliance, they pride themselves on not being what you’d normally expect from a life insurance company.
Asteron focus on the positive, and believe that life insurance is about getting the most out of today, knowing that if things go wrong, you’ve got plans in place. They’ll help you get the right cover for your needs, and have dedicated advisers available if you’re not sure which life insurance policy is the right fit for you.
ANZ life insurance
ANZ are easily recognizable as one of New Zealand’s largest banks, and are renowned for providing financial services throughout the country. With decades of success in personal and business financial services, ANZ have gone on to offer Kiwis a range of insurance solutions.
ANZ Life Insurance is designed to help you and your family maintain your financial wellbeing and lifestyle if anything serious should happen to you. They offer a comprehensive solution with optional benefits of critical illness, living expenses cover and redundancy.
If you’re a registered for an eligible ANZ personal banking package, you may be entitled to a 15% discount on your new life insurance policy!
Types of life insurance
Life insurance policies can meet several financial needs that may arise if the worst were to happen to you. It can replace lost income, clear debts and pave the way for a debt-free education.
In New Zealand, there are three main types of coverage; term life insurance, whole life insurance and basic life insurance. It’s important to know the difference between each of these, to determine which type of cover is best suited to your needs.
Term life insurance
Term life insurance is a type of insurance policy that provides coverage for a certain period of time. If you are diagnosed with a terminal illness or pass away during the specified time period, you or your chosen beneficiaries will be paid the sum insured.
As well as providing cover in the event of death or illness, some term insurance policies have other built in benefits such as funeral costs cover and and financial advice cover. When you’re searching for the right life insurance policy, it’s always best to check the details to see exactly what is and isn’t covered.
Whole life insurance
Whole life insurance is a type of insurance contract that provides coverage to the insured person for their entire life. Upon the inevitable death of the policy holder, the insurance payout is made out to their beneficiaries.
Whole life insurance is more expensive than term, but comes with two key benefits. The first is a death benefit to be paid to your beneficiaries in the event of your death. The second is cash value accumulated over the term of insurance that can be used as either savings or to be borrowed against you if you need the money while you’re alive.
Basic life insurance
Basic life insurance - whether term or whole - is a way to ensure that your family has a lump sum of money to take care of any debts and provide financial cushioning in the event of your death. It’s protection for both your loved ones, or anyone who is financially dependent on you.
Depending on the policy type, some insurers will pay out on the diagnosis of a terminal illness during the term of your life insurance policy. As always, exact cover will depend on the policy and insurer, so be sure to read the details on exactly what cover it’ll provide in the event of illness or death.
When should I get life insurance?
The answer is… before you need it! Life insurance cannot do anything for you if you take out a policy after something has already gone wrong to financially impact your family.
Life insurance is age-banded, meaning that with each passing year, a policy becomes more expensive. However, there are five different stages of life where it’s recommended you take out life insurance. These life stages are buying a home, getting married or divorced, taking out a large personal loan, having a baby or experiencing your own illness or trauma.
Once you make the decision to invest in life insurance, you can relax, secure with the knowledge that your family is looked after if the unexpected happens.
Compare insurance with Glimp
Here at Glimp, we’re passionate about protecting the things that mean the most to you. As well as helping you find the best value deals on your life insurance, we can help you save money on your pet insurance, house insurance, contents insurance and renters insurance too.
It’s easy to compare and even easier to make the switch - get started and compare insurance with Glimp today!
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