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

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How much do I need?
Video thumbnail Watch the story of the Luckiest Man
Save 20% Switch to us
How much do I need?

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.

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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 will have one thing less to worry about.

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 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

  • Kerry &

    - June '19
    Was easy lovely to talk to
  • Jon C

    - June '19
    Quick and easy online cover. Thanks Pinnacle life!
  • Simon C

    - June '19
    no issues
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