If you're aged 40-49 take out Life cover before 31 May and we’ll give you an extra 10% off for the duration of your policy. read more

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 for insurance in under 10 seconds.

Life Insurance from as little as $15.60* per month

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

Insurance Products

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

Life Insurance

More info

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

More info

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

Income Protection

More info

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

More info

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

Mortgage Cover

More info

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

More info

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

More info

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 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 stars out of 5

  • Saia M

    - April '19
    Nice and prompt services
  • Melanie C

    - April '19
    Very easy to arrange cover and good follow up from friendly staff who have been a pleasure to deal with. I also saved almost 50% on my previous cover so a good move all round.
  • Julie P

    - March '19
    It was very easy to get cover sorted online and prices very competitive with other companies.
A notification message goes here.