Protect what makes you feel lucky

Get a no-obligation life insurance quote in under 10 seconds, and let us help you look after the things that matter most.

Life Insurance from as little as $15.60* per month

Get a no-obligation life insurance quote in under 10 seconds, and let us help you look after the things that matter most.

Insurance Products

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

Life Insurance

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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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If you already have Life Insurance with another insurance company, you could save 20% by switching to Pinnacle Life.

Income Protection

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Income Protection insurance pays you a monthly amount if you are unable to work, due to illness or injury. It means that while you can’t work, you can still have money coming in, so you can keep on with your life even though you’re not earning.

Funeral Cover

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Funeral Insurance pays cash to pay for your funeral so when the time comes your family can focus on mourning and celebrating your life, without any financial burden.

Mortgage Cover

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Mortgage Insurance pays off the mortgage in the event of your death. It keeps a roof over the heads of the people you leave behind, by paying off the debt directly to the lending institution.

Critical Illness Cover

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Critical Illness Cover can be added to your Life Insurance policy and means that, if you suffer from one of the conditions specified in your policy, you will receive a lump sum payment. Adding Critical Illness cover to your policy helps to ease the burden on your family at a difficult time.

Disability Cover

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If you become totally and permanently disabled, Disability Insurance will provide you with a lump sum payment to help make life a little bit easier. It can only be purchased alongside Life Insurance.

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 in New Zealand hassle free. There are lots of things that you can’t control in life, but putting protection in place to provide for your loved ones should the unthinkable happen, is something you do have control over. We want Kiwis to be able to protect those that matter most, in a way that is easy and affordable.

  • Simple online cover

    We were the first company in New Zealand, and indeed the world, to let customers apply and receive a life insurance policy online. Today, nearly 8 out of 10 people who apply get their life covered and their policy issued – there and then, usually in less than 10 minutes.

  • By Kiwis for Kiwis

    We believe that we understand what Kiwis want, because we’re Kiwis too! We want every family in New Zealand to have the choice of getting the protection of life insurance and we want it to be easy.

  • More for less

    We know life can get expensive. So because we keep things simple and because we are an online company, it costs us less to run our business. Which means we pass the benefits onto you, our customers 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 stars out of 5

  • Christina S

    - October '19
    Very easy application and online process is user friend, quick and efficient.
  • Ross &

    - October '19
    Great service and easy website to navigate
  • Lara D

    - October '19
    Easy to use and easy to find the information that I needed.
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