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FAQs

Can I change who gets the money from my policy?

For Life Insurance

• Yes - If you have a Life Cover policy, the policy owner will receive the money from any claim, or their estate if they have passed away. You can change the ownership of a policy at any time

For a mortgage, income protection or funeral cover policy

• Yes, any payment will be made to the nominated beneficiary unless you change who that is. You can change the beneficiary for a mortgage, income protection or funeral cover policy by using this form.

What’s your financial strength rating?

Our Financial Strength is important becase it lets you know whether you can rely on us to be there when you need us. We are backed by Hannover Life Re of Australasia, and have been since we started business in 1998. Hannover Life Re is a member of the Hannover Re reinsurance group of companies, with whom all our reinsurance is currently placed. Hannover Re has a very strong financial strength rating, being rated by Standard & Poor’s as AA- “Very Strong” and A.M. Best as A “Excellent”.

Who underwrites your policies?

Pinnacle Life is a licenced life insurer, our policies are not underwritten by any other company. Our policies are reinsured with Hannover Life Re of Australasia as part of our prudent financial management.

Where can I find Pinnacles' Terms and Conditions and Privacy policies?

What percentage of claims gets paid out?

Pinnacle Life has paid out on around 99%* of all life insurance claims and 100% of funeral insurance claims received since 1998 (* as at 31 January 2020).

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