What if the unexpected does happen?

Knowing that your family is protected is important to you, so we've made it easy to get that peace of mind. You can get a no-obligation quote in under 10 seconds.

From as little as $15.60* per month

Save 20%! Switch to us
How much do I need?

Our Products

We keep things simple.
Our policies are written in plain English.

Life Cover

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This policy provides for those you leave behind and helps them pay the mortgage, invest in your children’s education, put food on the table and pay the bills.

Switch to us

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Switch your existing Life Insurance policy and save 20%. Apply to switch online and we’ll send you a no-obligation quote to look over. We’ll then manage the switch process for you to make sure that you’re covered throughout.

Income Protection

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This policy provides you with a regular monthly payment to help replace your income if you are unable to work due to illness or injury. It provides for you and your family through this tough time.

Funeral Cover

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This policy pays cash to pay for your funeral so when the time comes your family will have one thing less to worry about.

Mortgage Cover

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This policy provides cover to pay off the mortgage in the event of your death. It keeps a roof over the heads of the people you leave behind.

Trauma Cover

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This cover provides a lump sum payment if you suffer from one of the specified conditions. Adding Trauma cover to your life policy will ease the burden for you and your family, if the need arises.

Disability Cover

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This cover provides a lump sum payment to make life easier if you become totally and permanently disabled. Disability cover can be added to your existing life insurance policy.

Pinnacle Life is backed by one of the world’s largest reinsurance groups... read more

Why Pinnacle Life?

Since 1998, our passion has been making buying life insurance hassle free. We want every kiwi family to have the choice of getting the protection of life insurance and we want it to be easy. Today, Pinnacle Life continues to be kiwi owned and kiwi based, and we continue to innovate to keep it as simple as possible for you to protect your family’s future.

  • Simple & easy

    We know that life gets busy, and that life insurance is one of those things it’s easy to put off. That’s why we try and make it as quick and easy as possible, from getting a quote to making a claim.

  • Designed for you

    We were the first to offer life insurance online, allowing you to choose to buy when you want, without the hassle of filling out paper forms. We’ve been recognised internationally for our work in this space.

  • More for less

    We know how expensive life can be. So, because we keep things simple, it costs less to run our business. Which means we pass the benefits to you by way of lower premiums.

What our customers say

Star Star Star Star Half star

Our customers rate the experience of buying
a policy online at over 4.5 out of 5

  • Eugene

    - October 2017
    "Did some research online ... liked what we read about Pinnacle Life ... it was all very easy"
  • Melissa

    - September 2017
    "...pretty painless and easy with no harassing. Gave us time to mull over and get it done as we wanted."
  • Dave

    - July 2017
    "Heard you on the radio ... and went online. Just awesome and easy to use, price was cheap as well."
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