Compare NZ life insurance quotes
Find the best life insurance policy for your needs
Get free quotes & comparisons to make it super easy to find the right policy. Simple 1-page summary means zero confusion. Independent NZ research means no doubts. Done-for-you setup means no stress.
Complete peace of mind knowing that you’ve chosen the right provider
We’re fully licensed and registered to advise you. More importantly, we have enormous amounts of experience in the life insurance industry—so we can provide specific recommendations that match your exact requirements.
For instance, some providers don’t cover certain conditions or don’t cover them well, so we’ll make sure that what you need is what you actually get. Also, while all policies go up every year, some go up faster than others. You don’t want to choose a provider that is going to end up costing you more in 10 years.
We can also help you if you have pre-existing conditions you need covered or a family history of a condition.
Taking the pain out of life insurance
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Based on independent research
Unlike other comparison sites, we give you recommendations based on in-depth independent research about each life insurer. This means you can make an informed and confident decision. -
The only comparison site focused exclusively on life insurance
We only do life. We are living and breathing life Insurance, eating it for breakfast lunch and dinner. Our knowledge is therefore second to none. -
The right policy for your needs
We’ll help you avoid policies that won’t provide the critical cover you need, or will just waste your money with unnecessary bells and whistles. Don’t buy a lemon. -
Kiwi owned & operated
With people in Wellington, Tauranga, and Christchurch, we work with customers right across New Zealand. We have a heart for protecting Kiwis’ health with the best insurance, for the best price. -
You’re in control
We give you the information you need to make an informed decision. You are free to take it or leave it. No pressure or sales tactics. If you like our recommendations and choose to take out a policy, we’re happy to set it up for you with the insurer. -
100% free service, lowest market prices
Our purpose is to find you the best cover for the lowest going rate—so you don’t have to shop around. We can generally match or beat any price for a policy. Our service is completely free because the insurer pays our fees. This is worth their while because we save them time and money expertly matching the right customers to the right policies.
How Policywise works
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Tell us about yourself
Click the button below to get started by entering some basic details. (Takes less than 30 seconds.) -
Get your FREE, no-obligation quote comparison
We’ll provide a straightforward run-down of your best options. It will show you the top life insurance policies that match your needs, with research and rankings on each life insurance provider. You can see a quote summary of the lowest market prices available for these policies. We provide all this completely free, with NO ADDED COST on the premiums, because the insurer pays our fees. -
We take care of everything for you
If you like our recommendations, our experienced life insurance heroes will set up everything. Eliminate the pain of organising your life insurance. We handle all the time-consuming back-and-forth with the insurer, on your behalf. This is FREE for you because the insurer pays our fees as a commission on the policy you buy.
Why bother with life insurance?
There are two main reasons:
1. Give your loved ones a financial safety net if you die
Any financial plan should include life insurance, especially if you’re a breadwinner. Everything you have worked hard to provide can disappear when you die, leaving your loved ones with home payments, health bills, childcare, living expenses and debts.
With life insurance, these are all taken care of through a lump sum after you’re gone.
Without life insurance, many people are forced to sell the family home, withdraw from their retirement savings or children’s education fund, or sink deeper into debt, when their partner dies.
The life insurance lump sum payment can cover:
- Funeral costs (often around $10,000)
- Daily living expenses like groceries and power
- Home payments
- Childcare and school fees
- Debts, including health-related bills you may have incurred
- Your partner’s expenses during retirement
With so many life insurance products on the market, picking the right one can be a challenge. Policywise gives you FREE consultation to help…
- Figure out how much life insurance you actually need
- Pick the best life insurance product for your situation
2. Get an advanced payout if you become terminally ill
Life insurance can also help you before you die. If you are diagnosed as likely to pass away within 12 months, your insurer will release an advanced payout to cover things like:
- Home modifications and medical supplies, if you are being cared for at home
- Respite care for your family caregiver
- Ongoing debt payments
- Family living expenses
- Securing your family’s financial future
With financial concerns out of the way, you can focus on spending more time with your family. Your partner can stop working, and you can spend more time together. You get an opportunity to create memories that your family can cherish after you’re gone.
In addition to helping you find the best policy at the lowest price, we also provide claims assistance. We help clients to access their life insurance benefits, during the very stressful times when they need them. All of this is completely free.
About Policywise
Hi, I’m Calum, and I run Policywise with my wife Amy. After seeing first-hand so many people choosing the wrong cover from the hands of sterile comparison sites, and seeing first-hand the consequences of people then having the wrong cover, we determined to help Kiwis make informed decisions when it comes to choosing health insurance.
At the same time, we also wanted to eliminate the endless paper forms and painful back-and-forth with insurers.
Finally, we wanted to provide this service for free to all Kiwis, so that the maximum number of people would use it, no matter where they are (we’re in Tauranga).
Our 5 star reviews are a testament to how using the latest technology lets us serve our customers better, and make sure you get a consistently amazing service, from Cape Reinga to Bluff. Because people have been so stoked working with us, since starting, our business has expanded to the point that we have needed to bring on extra insurance advisors to help with the load.